The Farmers and Merchants Bank
SBA 7(a) Lending Profile · All Time analysis
Industry Focus
Top industries served by The Farmers and Merchants Bank · All Time
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 484110 | General Freight Trucking, Local | 3 | $127K | $42K | 18.8% |
| 621999 | All Other Miscellaneous Ambulatory Health Care Services | 1 | $107K | $107K | 6.3% |
| 238210 | Electrical Contractors and Other Wiring Installation Contractors | 1 | $300K | $300K | 6.3% |
| 484121 | General Freight Trucking, Long-Distance, Truckload | 1 | $66K | $66K | 6.3% |
| 332721 | Precision Turned Product Manufacturing | 1 | $46K | $46K | 6.3% |
| 111150 | Corn Farming | 1 | $41K | $41K | 6.3% |
| 524210 | Insurance Agencies and Brokerages | 1 | $80K | $80K | 6.3% |
| 621310 | Offices of Chiropractors | 1 | $225K | $225K | 6.3% |
| 811111 | General Automotive Repair | 1 | $349K | $349K | 6.3% |
| 441210 | Recreational Vehicle Dealers | 1 | $5K | $5K | 6.3% |
Geographic Distribution
SBA lending activity for The Farmers and Merchants Bank by state
| State | Loans | Volume | Share |
|---|---|---|---|
| Wisconsin (WI) | 14 | $1.7M | 87.5% |
| Texas (TX) | 1 | $300K | 6.3% |
| Colorado (CO) | 1 | $5K | 6.3% |
Why Choose The Farmers and Merchants Bank?
Based on SBA 7(a) lending track record from 2009-2025
- ✓Proven Track Record: 16 SBA loans approved, totaling $2.0M in financing
- ✓Industry Expertise: Specialized focus on General Freight Trucking, Local, All Other Miscellaneous Ambulatory Health Care Services, Electrical Contractors and Other Wiring Installation Contractors
- ✓Competitive Terms: Average interest rate of 8.16% with flexible term lengths averaging 86 months
- ✓Loan Range: Loan sizes from $5K to $513K, with an average of $123K
- ✓Nationwide Reach: Active lending in 3 states, with strong presence in WI, TX, CO
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 The Farmers and Merchants Bank SBA lending
What types of businesses does The Farmers and Merchants Bank typically finance?
The Farmers and Merchants Bank specializes in SBA 7(a) lending to specific industries including general freight trucking, local, all other miscellaneous ambulatory health care services, electrical contractors and other wiring installation contractors, general freight trucking, long-distance, truckload. They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are The Farmers and Merchants Bank's typical SBA loan terms?
The Farmers and Merchants Bank's SBA 7(a) loans typically feature an average interest rate of 8.16% and average term length of 86 months (approximately 7 years). Loan sizes range from $5K to $513K, with an average loan size of $123K.
Do I need a business valuation for a The Farmers and Merchants Bank SBA loan?
Yes, The 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 The Farmers and Merchants Bank compare to other SBA lenders?
The Farmers and Merchants Bank has originated 16 SBA loans totaling $2.0M since 2009. 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 The Farmers and Merchants Bank lend in?
The Farmers and Merchants Bank provides SBA 7(a) financing with particularly strong presence in WI, TX, CO. 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.
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