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Farmers & Merchants Bank

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Description

Farmers & Merchants Bank offers comprehensive SBA lending services tailored to small and medium-sized businesses seeking financial support for growth, expansion, or working capital. With a focus on personalized service, the bank provides SBA 7(a) loans that help entrepreneurs access funding with flexible terms and competitive rates. Their experienced team guides clients through the application process, ensuring clarity and support at every step. The bank’s offerings include small business loans, equipment financing, and real estate loans, all designed to meet diverse business needs. Located in Upperco, Maryland, they serve local businesses while also supporting clients across the region. Their commitment to community banking means they prioritize building strong relationships and understanding each client’s unique situation. Whether you’re a startup or an established business, Farmers & Merchants Bank aims to help you succeed with tailored financial solutions and dedicated service.

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Q&A

Lender Type
Commercial Bank
Google Rating
4.5
Google Review Count
2
Question 1
What is this place and what can I find here?
Answer 1
This is a community-focused bank offering SBA lending services, small business loans, and personalized financial solutions tailored to local businesses" needs.
Question 2
Do I need an appointment or can I walk in?
Answer 2
It"s recommended to schedule an appointment to ensure dedicated time with a banking specialist, but walk-ins are also welcome during business hours.
Question 3
What are the hours of operation?
Answer 3
The bank is open from 9:00 AM to 5:00 PM, Monday through Friday, with extended hours by appointment.
Question 4
Is there a fee to use this?
Answer 4
There are fees associated with certain banking services and loan origination, which will be detailed during the application process.
Question 5
Who is this open to — anyone, or only residents/members?
Answer 5
This bank primarily serves local residents and small businesses within the region, but qualified applicants from outside the area may also be considered.
Question 6
What minimum personal credit score does this bank look for in a guarantor?
Answer 6
A minimum personal credit score of 620 is typically required, though higher scores improve approval chances.
Question 7
How long does the traditional underwriting process take from start to close?
Answer 7
The underwriting process generally takes between 30 to 45 days, depending on the complexity of the application and completeness of documentation.
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