Growing and maintaining a successful business requires the right mix of ambition, dedication, strategy and relationships. We can help deliver you a set of comprehensive banking solutions with a client centered approach that will help you achieve your long-term goals.

Lines of Credit

The day-to-day grind of operating a business can sometimes stress your cash flow. Things like maintaining your inventory, paying your employees or fulfilling your vendor requirements requires quick access to cash. With an available Line of Credit to support your needs, you’ll feel secure in withstanding economic ups and downs and feel prepared to take action on your unexpected needs.

Contact us today to see how a Line of Credit or Letter or Credit can help you with a variety of business needs.

  • Fluctuations in inventory
  • Extending your business payment cycle
  • General operating needs
  • Meeting unexpected cash needs
  • Maximizing trade discounts
Contact a Branch

Equipment and Fleet Financing

Your business may thrive on determination, but it also runs on wheels, machinery, state of the art equipment and get-the-job-done tools. The productivity of your workforce drives the profitability of your bottom line. That’s why our team is prepared to get your business equipped to run more efficiently.

Financing options are available across multiple industries and range in single unit purchases to financing solutions for fleet needs.

Contact us today for tailored solutions, payment terms and loan to value options.

  • Trucks, trailers, buses, vans, specialty vehicles
  • Manufacturing Equipment
  • Construction Equipment/Heavy Equipment
Contact a Branch

Acquisition, Growth Business Succession Financing

From the first time you set your sights on the future of a new business venture, to hiring your 100th employee or investing in the next generation of leadership that will take your business to levels you never dreamed, our team has the experience and the industry expertise to help make your transition be seamless.

When it’s time for a new direction, purchasing a new business or preparing to transition to new ownership, we have solutions to fit your needs.

Contact us today for additional details.

  • Bolt-on and strategic acquisition financing
  • Business succession planning and family transition
  • Employee Stock Ownership Plan (ESOP) Financing
  • Enterprise value lending or cash flow based lending

Small Business Administration Loans

  • Working capital
  • Equipment and inventory
  • Commercial real estate purchases
  • Business expansion or renovation
  • Franchising financing
  • Exporting needs
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Legal

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Farmers and Merchants State Bank is an Equal Opportunity/Affirmative Action/Veterans/Disability Employer.