At Farmers & Merchants Bank, we're proud of our ability to consistently design the right loan to satisfy the unique needs of our business customers...from solving your short-term cash flow needs to backing your next building project. In addition, knowing that immediate availability to funds can mean a great deal to you in dollars and cents, we are able to provide quick answers to our customers since decisions are made locally. Besides loans of various types, we also offer credit cards for your business needs.

Commercial Loans

Needs for equipment or supply purchases, expansion of inventory, purchasing or expanding a business or refinancing current debt can all be satisfied with a Term Loan or a Real Estate-Secured Loan which is a great option for long-term borrowing.

Working Capital Loans allow you to plan for the future and many times allow you to take advantage of supplier discounts. Working Capital needs can be satisfied with a Farmers & Merchants Line of Credit that allows you to borrow funds at a variable rate, repay the balance and borrow again as needed without the need to reapply.

Projects for commercial or residential Land Acquisition and Site Development can be financed through a variety of funding options.

We can assist you in understanding Government Assisted Loans from the Small Business Administration (SBA). These loans can be partially guaranteed by the government so we are able to lend you funds for a longer period of time with the same collateral. In addition, our commercial lending experts will help you assemble the required application package.

We have considerable experience in Agricultural Lending and know the best options for financing machinery, land, livestock and buildings. Often we recommend government-guaranteed programs through the FSA (Farm Service Agency).

Letters of Credit are available to allow business customers to quickly and efficiently complete business transactions that require insurance bonding or cash collateral guarantees. Subject to credit approval.

Our Lending Dictionary can help you with terminology commonly used in loan applications and with real estate-related contracts.

Please contact us, and one of our financing professionals will call you to discuss your company’s needs.

Credit Cards for Business

Farmers & Merchants Bank can help give your business an advantage. Our Visa and MasterCard programs can provide your business with a great cash management tool. The cards can be used to pay for everything from office supplies to airline tickets – giving your employees convenience and you more control.

If you want a credit card with No Annual Fee and a Low Interest Rate… look no further! Farmers & Merchants Bank offers several business credit card choices, so we know we have the right one for you.

  • Classic MasterCard
  • Classic Visa
  • Visa Gold

Each card features the same great terms and the same worldwide buying power:


  • No Annual Fee
  • Low Annual Percentage Rate
  • Low monthly payments
  • 15-Day Grace Period
  • Free Balance Transfers
  • Convenience Checks
  • Travel Accident Insurance*
  • Cash available through ATM (Cirrus) Network

VISA GOLD offers these additional benefits:

  • Toll-free travel reservation service
  • Bonus travel dividends
  • Auto rental discounts
  • Auto rental insurance*
  • Credit card registration
  • Key registration
  • Travel protection – lost luggage, hotel theft insurance*
  • Medical assistance
  • Vision care
  • Discount pharmacy
  • Personal shopper
  • Concierge service
  • Quarterly newsletter

If you have questions, call us at (540) 896-8941, stop by any branch, or e-mail us.

Your commercial account officer will be glad to take your application! Subject to credit approval.

Lost Card

If your Farmers & Merchants credit card is lost or stolen, we want to know right away. The card will be de-activated so no one else can use it. This notification is a requirement for you to avoid liability for unauthorized use.

  • During regular banking hours, call any branch of our bank, or the Operations area in Timberville:1-540-896-8941
  • After regular banking hours, call this toll-free number: 1-800-325-3678


*Insurance products are: