Farmers and Merchants Bank

This is a bank that offers SBA loans and small business financing options. You can find information about loan programs, application requirements, and personalized support for your business needs.

It's recommended to schedule an appointment to ensure dedicated assistance, but walk-ins are also welcome during business hours.

The bank operates Monday through Friday from 9:00 AM to 5:00 PM, with additional hours by appointment.

There are no fees to visit the bank; however, loan application and processing fees may apply depending on the loan type.

This bank primarily serves local residents and small business owners within the region, but some services may be available to non-residents with qualifying criteria.

Typically, a minimum personal credit score of 640 is preferred, but requirements may vary based on the specific loan and borrower profile.

The underwriting process generally takes between 2 to 4 weeks, depending on the completeness of documentation and loan complexity.

Most banks keep weekday business hours and are closed on weekends, and Farmers and Merchants Bank typically follows the same pattern. SBA lending staff are generally reachable Monday through Friday. A few locations offer Saturday or by-appointment hours, so call Farmers and Merchants Bank to confirm current weekend availability before you go.

Farmers and Merchants Bank is located in Georgia — see the contact card for the full address. Most bank locations offer free on-site or nearby street parking for visitors. For exact directions, the entrance, and accessible parking, use the listed address or call ahead and staff can point you to visitor spaces.

This page is an independent directory listing for Farmers and Merchants Bank, an SBA-participating bank. It is maintained by SBA Lenders USA to help borrowers compare lenders — not by Farmers and Merchants Bank itself, which runs its own lending under its own ownership. If you work at Farmers and Merchants Bank, you can claim this listing from this page to manage it.

The core details for Farmers and Merchants Bank — name, location, contact, and lender type — are compiled from public records and reviewed periodically. Rates, programs, credit policies, and hours change often and are not guaranteed here, so always confirm the latest terms directly with Farmers and Merchants Bank before applying. If you represent Farmers and Merchants Bank, claim this listing to keep its information up to date.

You can reach Farmers and Merchants Bank by phone at (229) 482-3585 or online at fmb.net — the details are in the contact card on this page. For SBA loans specifically, ask for their business lending or SBA department. Treat this directory page as a starting point and confirm hours and contact details with Farmers and Merchants Bank before relying on them.

Based on its approved SBA loans, Farmers and Merchants Bank most often finances businesses in manufacturing. This reflects Farmers and Merchants Bank's real SBA 7(a) and 504 lending history rather than a stated policy — it can still consider other industries and sets its own current preferences, so confirm with Farmers and Merchants Bank which sectors it actively lends to before you apply.

SBA Express offers lines of credit and term loans up to $500,000 with a faster turnaround than standard 7(a) loans. Whether Farmers and Merchants Bank participates in SBA Express depends on its specific SBA lending authority. Contact Farmers and Merchants Bank and ask if it offers SBA Express and what the current limits and terms look like for your situation.

Yes, Farmers and Merchants Bank holds SBA Preferred Lender Status, which allows faster loan approvals by enabling in-house authorization without SBA review for each application. Confirm current status with the bank.

The SBA does fund start-ups, but many traditional lenders prefer at least two years of operating history and may ask newer ventures for a larger equity injection or stronger collateral. Farmers and Merchants Bank's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask Farmers and Merchants Bank directly whether it considers start-up loans.

For SBA 7(a) and 504 commercial real estate loans, borrowers typically contribute around 10% to 20% as a down payment or equity injection, depending on the property and the deal. Exact requirements vary with your credit, the business, and the lender's policy. Ask Farmers and Merchants Bank what down payment it expects for your specific commercial real estate purchase.

SBA 7(a) loans with terms under 15 years generally carry no prepayment penalty, while longer real estate loans can have one in the early years. Short-term working capital lines often have no penalty, but terms vary by lender. Review your loan agreement and ask Farmers and Merchants Bank to spell out any prepayment penalties before you sign.

SBA loans can be used for a partner or owner buyout, including buying out an existing equity partner, when the deal is structured to meet SBA rules — for example, the remaining owner generally must stay actively involved. Approval depends on the specifics, so discuss your buyout plan with Farmers and Merchants Bank to confirm it qualifies and how to document it.

A past personal bankruptcy does not automatically disqualify you from an SBA loan. Lenders look at how long ago it was discharged, the circumstances, and how your credit has recovered since. Farmers and Merchants Bank weighs this case by case under its own policy, so be upfront about your history and ask Farmers and Merchants Bank how it evaluates prior bankruptcies.