The Farmers & Merchants Bank

This is a bank that offers SBA loan programs to help small businesses secure funding for various needs. You can find support for growth, equipment purchases, and working capital through their tailored loan options.

It's recommended to schedule an appointment to discuss your financing needs, but walk-in consultations may also be available during business hours.

The Farmers & Merchants Bank's main branch operates Monday through Friday from 8:00 AM to 4:30 PM. Please confirm current hours with the bank at (920) 361-1454 or hello@fmberlin.com.

There may be application and processing fees associated with SBA loans, which vary depending on the loan amount and type.

This bank primarily serves small business owners in the local community and surrounding areas, but eligibility depends on meeting specific loan criteria.

A minimum personal credit score of 620 is generally preferred, though other factors are also considered in the approval process.

The underwriting process typically takes between 30 to 60 days, depending on the complexity of the application and completeness of documentation.

Most banks keep weekday business hours and are closed on weekends, and The Farmers & 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 The Farmers & Merchants Bank to confirm current weekend availability before you go.

The Farmers & Merchants Bank is located at the address listed on this page — 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 The Farmers & Merchants Bank, an SBA-participating bank. It is maintained by SBA Lenders USA to help borrowers compare lenders — not by The Farmers & Merchants Bank itself, which runs its own lending under its own ownership. If you work at The Farmers & Merchants Bank, you can claim this listing from this page to manage it.

The core details for The Farmers & 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 The Farmers & Merchants Bank before applying. If you represent The Farmers & Merchants Bank, claim this listing to keep its information up to date.

You can reach The Farmers & Merchants Bank by phone at (920) 361-1454 or email hello@fmberlin.com for inquiries. Please confirm details directly with the bank.

Like most SBA lenders, The Farmers & Merchants Bank can finance a broad range of small businesses — common categories include professional services, healthcare practices, restaurants and franchises, retail, light manufacturing, and commercial real estate. Each bank sets its own industry preferences and may avoid sectors it considers higher risk. Ask The Farmers & Merchants Bank directly which industries 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 The Farmers & Merchants Bank participates in SBA Express depends on its specific SBA lending authority. Contact The Farmers & Merchants Bank and ask if it offers SBA Express and what the current limits and terms look like for your situation.

SBA Preferred Lender Program (PLP) status lets a lender approve loans in-house without sending each one to the SBA first, which usually means faster decisions. Many established banks hold PLP status, but it varies by institution. The Farmers & Merchants Bank can confirm its current PLP standing — ask before you apply if speed matters to you.

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. The Farmers & Merchants Bank's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask The Farmers & 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 The Farmers & 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 The Farmers & 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 The Farmers & 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. The Farmers & Merchants Bank weighs this case by case under its own policy, so be upfront about your history and ask The Farmers & Merchants Bank how it evaluates prior bankruptcies.