The Farmers & Merchants Bank
SBA 7(a) Lending Profile · All Time analysis
Industry Focus
Top industries served by The Farmers & Merchants Bank · All Time
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 484110 | General Freight Trucking, Local | 3 | $127K | $42K | 3.1% |
| 325620 | Toilet Preparation Manufacturing | 2 | $150K | $75K | 2.1% |
| 621210 | Offices of Dentists | 2 | $175K | $88K | 2.1% |
| 812320 | Drycleaning and Laundry Services (except Coin-Operated) | 2 | $542K | $271K | 2.1% |
| 112310 | Chicken Egg Production | 2 | $493K | $247K | 2.1% |
| 238220 | Plumbing, Heating, and Air-Conditioning Contractors | 2 | $124K | $62K | 2.1% |
| 811310 | Commercial and Industrial Machinery and Equipment (except Automotive and Electronic) Repair and Maintenance | 2 | $65K | $33K | 2.1% |
| 424490 | Other Grocery and Related Products Merchant Wholesalers | 2 | $154K | $77K | 2.1% |
| 441210 | Recreational Vehicle Dealers | 2 | $36K | $18K | 2.1% |
| 112111 | Beef Cattle Ranching and Farming | 1 | $350K | $350K | 1.0% |
Geographic Distribution
SBA lending activity for The Farmers & Merchants Bank by state
| State | Loans | Volume | Share |
|---|---|---|---|
| Arkansas (AR) | 79 | $14.5M | 81.4% |
| Wisconsin (WI) | 14 | $1.7M | 14.4% |
| Texas (TX) | 1 | $300K | 1.0% |
| Louisiana (LA) | 1 | $150K | 1.0% |
| Missouri (MO) | 1 | $150K | 1.0% |
| Colorado (CO) | 1 | $5K | 1.0% |
Why Choose The Farmers & Merchants Bank?
Based on SBA 7(a) lending track record from 1991-2025
- ✓Proven Track Record: 97 SBA loans approved, totaling $16.8M in financing
- ✓Industry Expertise: Specialized focus on General Freight Trucking, Local, Toilet Preparation Manufacturing, Offices of Dentists
- ✓Competitive Terms: Average interest rate of 8.03% with flexible term lengths averaging 109 months
- ✓Loan Range: Loan sizes from $5K to $2.0M, with an average of $173K
- ✓Nationwide Reach: Active lending in 6 states, with strong presence in AR, WI, LA
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 & Merchants Bank SBA lending
What types of businesses does The Farmers & Merchants Bank typically finance?
The Farmers & Merchants Bank specializes in SBA 7(a) lending to specific industries including general freight trucking, local, toilet preparation manufacturing, offices of dentists, drycleaning and laundry services (except coin-operated). They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are The Farmers & Merchants Bank's typical SBA loan terms?
The Farmers & Merchants Bank's SBA 7(a) loans typically feature an average interest rate of 8.03% and average term length of 109 months (approximately 9 years). Loan sizes range from $5K to $2.0M, with an average loan size of $173K.
Do I need a business valuation for a The Farmers & Merchants Bank SBA loan?
Yes, The Farmers & 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 & Merchants Bank compare to other SBA lenders?
The Farmers & Merchants Bank has originated 97 SBA loans totaling $16.8M since 1991. 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 & Merchants Bank lend in?
The Farmers & Merchants Bank provides SBA 7(a) financing with particularly strong presence in AR, WI, LA, 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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