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| Business Loans |
 We offer solutions and financing for a variety of business purposes and have the professionals available to serve your needs. Listed below are just a few of the ways that we can help.
Revolving Lines of Credit This type of credit is most often used to provide short-term liquidity needs and seasonal financing. Terms for this type of credit may vary, but are usually under one-year. Loans are generally made and secured with short-term assets, such as inventory, accounts receivable and other current assets. To find out more information about Revolving Lines of Credit call or e-mail one of our lending professionals today. -back to top- Term Loans These loans are most often used to provide financing for permanent capital financing and equipment needs. Terms are longer in nature and are generally secured by equipment or real estate. To find out more information about Term Loans call or e-mail one of our lending professionals today. -back to top- Business Construction / Real Estate Looking to build, expand or grow your business! Our business real estate professionals are here to serve you. We offer a variety of solutions for your real estate finance needs. We provide a number of real estate options and amortization schedules. To find out more information about Business Construction / Real Estate Loans call or e-mail one of our lending professionals today. -back to top- Small Business Administration (SBA) Loans SBA loans are most often used for businesses with a lower down payment amount, desired smaller monthly payment and a longer term fixed rate financing. We can assist you with long-term fixed rates through the SBA 7(a) and SBA 504 loan programs. To find out more information about SBA Loans call or e-mail one of our lending professionals today. -back to top- Letters of Credit Most often used to guarantee the payment of a customer's draft or insure financial performance under a contract. As in any financial transaction trust is a key component. This is especially true in a loan situation. Our loan professionals are here to serve you and make the loan process as smooth as possible. At Farmers & Merchants State Bank we are a locally, owned independent community bank where loan decisions are made quickly and efficiently without any hassle. We will take the time to sit down and discuss any options that may be available to you in your particular loan situation. To find out more information about Letters of Credit call or e-mail one of our lending professionals today. -back to top- |
