Business Loans
Business Loans to Grow Your Local Business
When opportunity knocks, timing is everything. You need quick access to capital so you can move forward with confidence. At Farmers & Merchants Bank, we provide the financing solutions you need to acquire real estate, expand facilities, purchase medical offices or condominiums, support construction projects, or stock up on inventory.
Every loan we offer is designed around your specific goals. No two businesses are alike, and no two loans should be either. Our local loan officers take the time to understand your business and create a financing package that fits.
Our Commercial Loan Solutions
Commercial Real Estate Lending
Finance the purchase, refinance, or construction of office buildings, retail centers, medical facilities, or investment properties with flexible terms and local decision-making.
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Commercial & Industrial (C&I) Lending
Access working capital, purchase equipment, manage inventory, or fund expansion projects with customized financing designed to support your business operations.
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Small Business Administration (SBA) Lending
We understand that small businesses are the backbone of our community. That’s why we’re proud to be a Preferred Lender with the U.S. Small Business Administration (SBA) to offer flexible financing options designed to help local businesses start, grow, and thrive.
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Commercial Real Estate Lending
Owning the right property can be one of the most valuable investments your business makes. Farmers & Merchants Bank offers flexible commercial real estate lending solutions to help you purchase, refinance, or develop property that supports your growth.
Whether you are acquiring office space, medical facilities, retail centers, multi-family housing, or industrial sites, our loan officers work with you to structure financing that aligns with your business goals.
Benefits of Commercial Real Estate Lending with Farmers & Merchants Bank
- Tailored Financing: Competitive terms designed around your cash flow and project needs.
- Local Decision Making: Quick answers from lenders who know the local market.
- Wide Range of Uses: Purchase, refinance, renovate, or construct commercial properties.
- Long-Term Stability: Build equity while securing fixed or adjustable rate options.
Meet Our Team
Local Decisions. Personal Service. Competitive Rates.
Our experienced loan officers will provide you with a personalized analysis, help you explore options, and walk you through our current interest rate offerings. Contact us today to start the conversation and build a loan package tailored to your business.
All loans are subject to credit approval.
Commercial & Industrial Lending
When your business needs capital to operate, grow, or modernize, Farmers & Merchants Bank provides flexible Commercial & Industrial (C&I) lending solutions. Designed for companies across a wide range of industries, C&I loans can help with everything from expanding operations to stabilizing cash flow.
How C&I Loans Can Help Your Business
- Working Capital: Cover day-to-day operating expenses or bridge seasonal cash flow gaps.
- Equipment Purchases: Finance new or upgraded machinery, technology, or vehicles.
- Business Expansion: Support new projects, acquisitions, or facility improvements.
- Inventory & Supplies: Ensure you have the resources to meet customer demand.
- Debt Refinancing: Consolidate or restructure existing business debt on more favorable terms.
Why Choose Farmers & Merchants Bank for C&I Lending?
- Customized Financing: Solutions tailored to your company’s unique cash flow and goals.
- Local Decision-Making: Responsive service from lenders who know local businesses.
- Competitive Terms: Flexible repayment structures and interest rates designed to help you succeed.
Meet Our Team
Local Decisions. Personal Service. Competitive Rates.
Our experienced loan officers will provide you with a personalized analysis, help you explore options, and walk you through our current interest rate offerings. Contact us today to start the conversation and build a loan package tailored to your business.
All loans are subject to credit approval.
Small Business Administration
Our experienced commercial lending team works closely with business owners to navigate the SBA loan process — from application to funding — ensuring personalized guidance every step of the way. As a community bank & Preferred SBA lender, we take the time to understand your goals and structure financing that meets your unique needs.
SBA Loan Options
- SBA 7(a) Loan Program: Ideal for business acquisitions, working capital, equipment purchases, or refinancing existing debt with longer terms and lower down payments.
- SBA 504 Loan Program: Designed for fixed-asset financing, including real estate and major equipment, with long-term, fixed-rate options that preserve cash flow.
Why Choose Farmers & Merchants Bank for Your SBA Loan?
- Local decision-making and relationship-based service
- Experienced lenders familiar with SBA processes and documentation
- Competitive rates and flexible repayment terms
- A true community partner invested in your success
SBA Use of Proceeds:
- Business acquisition, expansion or start-ups
- Commercial real estate purchase, expansion, renovations or leasehold improvements
- Equipment and inventory purchases
- Franchise financing
- Working capital and refinancing existing debt (restrictions apply)
SBA Financing Features:
- Competitive fixed or variable rate options
- Longer repayment terms which means lower monthly payments
- Down payments as low as 10%
- No prepayment fee on terms less than 15 years (excluding SBA 504)
- No balloon payments on SBA 7(a) loans
SBA Loan Programs
SBA Loans to Veteran-owned Small Businesses
The U.S. Small Business Administration has authorized fee relief to help support veterans and eligible members of the military community establish or expand a business.
The SBA has eliminated the upfront SBA guaranty fee on SBA Express Loans to veterans and those who qualify as a veteran* in the military community. For all SBA Express loans to qualified veteran-owned businesses, the upfront guaranty fee will be 0% up to the maximum loan amount of $500,000.
Get More Veteran-Owned Business Resources for starting, growing and running your business from SBA.gov
*For SBA Express loans only, the Upfront Fee (also known as the SBA Guaranty Fee) is waived for loans to qualified businesses owned and controlled by a veteran (other than a veteran who received a Dishonorable or Bad Conduct Discharge), Service-Disabled Veterans; Active Duty military service member participating in the military’s Transition Assistance Program (TAP); or spouse of a Veteran, Active Duty service member, or widowed spouse of a service member who died while in service or of a service-connected disability.
SBA 7a Loans
Both growing and well established businesses can use the SBA 7(a) loan program to meet a variety of business credit needs. The SBA 7(a) loan program features loan amounts up to $5 million and long-term financing.
The SBA 7(a) loan program can be used to finance commercial real estate, renovations or improvements; business acquisitions, expansions or start-ups; franchise purchase; equipment or inventory; working capital; or refinancing existing debt (certain restrictions apply).
Benefits
- Broad eligibility – loan proceeds may be used for a wide variety of business purposes in one loan, including eligible fees and project costs.
- SBA guarantee program – assists businesses in qualifying for loans they want
- More flexible – often with longer repayment terms and lower down payments than conventional bank loans
- No prepayment fees – for loans with repayment terms less than 15 years
SBA 504 Loans
The SBA 504 loan program is for businesses that want to finance larger projects including commercial real estate, heavy equipment, construction and major renovations.
In addition, the SBA 504 loan program features a debt refinancing program which can help a business improve cash flow by lowering its monthly payments on existing conventional loan debt.
Benefits
- Low down payments – as little as 10% of the total project cost
- Longer repayment terms – up to 25 year repayment terms
- Larger dollar limits – enables a business to finance the cost of acquiring and/or constructing larger fixed assets such as commercial real estate and heavy equipment
- Competitive rates – providing more cash flow to use towards operating costs and the ability to fix the rate for a longer term.