Farmers and Merchants Bank
SBA 7(a) Lending Profile · All Time analysis
Industry Focus
Top industries served by Farmers and Merchants Bank
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 324121 | Asphalt Paving Mixture and Block Manufacturing | 16 | $40.0M | $2.5M | 10.5% |
| 722511 | Full-Service Restaurants | 8 | $20.0M | $2.5M | 5.3% |
| 326199 | All Other Plastics Product Manufacturing | 8 | $38.4M | $4.8M | 5.3% |
| 448310 | Jewelry Stores | 8 | $18.7M | $2.3M | 5.3% |
| 458310 | Other | 8 | $4.0M | $500K | 5.3% |
| 611710 | Educational Support Services | 8 | $21.8M | $2.7M | 5.3% |
| 444190 | Other Building Material Dealers | 8 | $14.6M | $1.8M | 5.3% |
| 111421 | Nursery and Tree Production | 8 | $16.8M | $2.1M | 5.3% |
| 812112 | Beauty Salons | 8 | $1.5M | $194K | 5.3% |
| 561730 | Landscaping Services | 8 | $16.0M | $2.0M | 5.3% |
Geographic Distribution
SBA lending activity for Farmers and Merchants Bank by state
| State | Loans | Volume | Share |
|---|---|---|---|
| Georgia (GA) | 80 | $212.0M | 52.6% |
| Florida (FL) | 48 | $118.2M | 31.6% |
| Indiana (IN) | 16 | $6.9M | 10.5% |
| Nebraska (NE) | 8 | $1.5M | 5.3% |
Why Choose Farmers and Merchants Bank?
Based on SBA 7(a) lending track record from 2020-2025
- ✓Proven Track Record: 152 SBA loans approved, totaling $338.6M in financing
- ✓Industry Expertise: Specialized focus on Asphalt Paving Mixture and Block Manufacturing, Full-Service Restaurants, All Other Plastics Product Manufacturing
- ✓Competitive Terms: Average interest rate of 7.02% with flexible term lengths averaging 175 months
- ✓Loan Range: Loan sizes from $194K to $5.0M, with an average of $2.2M
- ✓Nationwide Reach: Active lending in 4 states, with strong presence in GA, FL, IN
Note: Approval and terms are subject to SBA and lender requirements. This profile is based on historical data and does not guarantee future lending decisions.
Frequently Asked Questions
Common questions about Farmers and Merchants Bank SBA lending
What types of businesses does Farmers and Merchants Bank typically finance?
Farmers and Merchants Bank specializes in SBA 7(a) lending to specific industries including asphalt paving mixture and block manufacturing, full-service restaurants, all other plastics product manufacturing, jewelry stores. They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are Farmers and Merchants Bank's typical SBA loan terms?
Farmers and Merchants Bank's SBA 7(a) loans typically feature an average interest rate of 7.02% and average term length of 175 months (approximately 15 years). Loan sizes range from $194K to $5.0M, with an average loan size of $2.2M.
Do I need a business valuation for a Farmers and Merchants Bank SBA loan?
Yes, Farmers and Merchants Bank typically requires a professional business valuation for SBA loans over $250,000 or for change-of-ownership transactions. A certified valuation helps establish the purchase price, loan amount, and ensures SBA compliance. The valuation typically costs $5,000-$15,000 depending on business complexity.
How does Farmers and Merchants Bank compare to other SBA lenders?
Farmers and Merchants Bank has originated 152 SBA loans totaling $338.6M since 2020. They distinguish themselves through industry specialization and expertise in their focus sectors. Compare their rates and terms with other lenders in our Commercial Lending Directory.
What states does Farmers and Merchants Bank lend in?
Farmers and Merchants Bank provides SBA 7(a) financing with particularly strong presence in GA, FL, IN, NE. Based on their lending history, they have experience with diverse state-specific business regulations and licensing requirements.
Research Your Target Industry Before Applying
Before applying for SBA financing, research your industry's typical loan sizes, approval rates, and specialized lenders. Understanding industry-specific financing patterns can help you find the right lender and strengthen your application.
Our industry research reports provide comprehensive intelligence for 1,000+ industries including financial benchmarks, growth trends, financing patterns, and which lenders are most active in your sector.
Explore Industry Reports →Need a Business Valuation?
Professional valuations are often required for SBA loans over $250,000.
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