Farmers and Merchants Union Bank

This is a local SBA lender offering small business loans, including the 7(a) program, with personalized guidance to help entrepreneurs secure financing for growth and operations.

Ask Farmers and Merchants Union Bank directly — some branches take walk-ins, others book SBA conversations by appointment.

Hours vary by branch and change. Check Farmers and Merchants Union Bank's website or call before you visit.

Browsing this directory is free. Any loan fees are set by Farmers and Merchants Union Bank and the SBA program — ask the lender for its current schedule.

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

Many SBA lenders look for a personal score around 640 or higher, but each bank sets its own bar and it changes. Ask Farmers and Merchants Union Bank what it looks for today.

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

Most bank SBA teams work weekdays; confirm with Farmers and Merchants Union Bank before planning a weekend visit.

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

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

You can reach Farmers and Merchants Union Bank by phone at (920) 623-4000 or online at www.fmub.bank — the same details are in the contact card on this page.

Based on its approved SBA loans, Farmers and Merchants Union Bank most often finances businesses in restaurants & food service, manufacturing, bars & nightlife, and construction & contractors. This reflects Farmers and Merchants Union 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 Union 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 Union Bank participates in SBA Express depends on its specific SBA lending authority. Contact Farmers and Merchants Union Bank and ask if it offers SBA Express and what the current limits and terms look like for your situation.

Whether Farmers and Merchants Union Bank has SBA Preferred Lender (PLP) status is set by the SBA. Ask the bank directly; PLP lenders can approve in-house and often move faster.

Farmers and Merchants Union Bank offers a full range of lending products for businesses of all types and sizes, including startups as a supported business scenario. Confirm with the bank directly whether SBA startup loans are available and their specific credit or collateral requirements.

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 Union 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 Union 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 Union 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 Union Bank weighs this case by case under its own policy, so be upfront about your history and ask Farmers and Merchants Union Bank how it evaluates prior bankruptcies.