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Helping Businesses Grow

Because each business is unique, Farmers and Merchants Bank offers many different options to meet the needs of your company.

Taking your business to the next step often requires you to turn to your bank. With Farmers and Merchants Bank you can rest assured we have the right business loan to help your company grow.

SBA Loans

The SBA Loan Program offers many options for small businesses.

Learn More about SBA loans 

Business Equipment Loans

Get the equipment your business needs today!

Learn More about Business Equipment Loans

Construction Loans

Purchase, refinance or build your business property.

Learn More  about construction loans

Business Lines of Credit

Get short-term capital with a business line of credit.

Learn More about business lines of credit

Meet our loan officers

Clayton Buckthorpe

Clayton Buckthorpe, Saint Clair

22 Years Commercial Lending Experience

AVP Commercial Lender

636-629-2225 OR 1-800-382-0049

BJ Hillermann

BJ Hillermann, Eureka

20 Years Small Business Lending Experience
14 Years Small Business Owner/Operator Experience

VP, Branch Manager
NMLS# 580936

636-938-7878 OR 1-800-382-0049

Andrea Hayes

Andrea Hayes, High Ridge

14 Years Lending Experience

VP, Branch Manager
NMLS #555655

636-677-7500 OR 1-800-382-0049

Contact a Loan Officer


What should you bring to apply for a business loan? Check out our list!


small businesses

Celebrating Small Businesses 

We appreciate small businesses and how they contribute to our community and choose a business customer each month to feature in our Monthly Digest e-Newsletter.  We create a video ad all about this featured small business and place it on our lobby TV's, Digital Signs and on Facebook, when applicable.