Skip to content
Best Business Loan Lenders shieldBest Business Loan Lenders
Powered byLevrGet help choosing
FM

Farmers & Merchants Savings Bank

Listed
Bank for term loans and working capital loansManchester, IowaBased in Iowa; service area not yet provided
BBLL 001164Listed Nov 2026From public recordsLast checked Nov 1, 2026
Request contactIs this your lender? Claim it

About

Farmers & Merchants Savings Bank offers Eastern Iowa and Minnesota companies working-capital loans, commercial term loans and government-backed business finance.

Bank. Lends to businesses from its own deposits.

This entry starts from public records. The lender fills in the rest when it claims the entry, which is free.

What they lend

Term loansWorking capital loansEquipment financingCommercial real estate loansSBA 7(a) loans
From the lender's own site and public records.

A second look at Farmers & Merchants Savings Bank

Farmers & Merchants Savings Bank offers Eastern Iowa and Minnesota companies working-capital loans, commercial term loans and government-backed business finance.

Direct bank lender; Farmers & Merchants Savings Bank, operating F&M Bank at fmbank.bank.

Published by Levr, not by Farmers & Merchants Savings Bank. This is a source-based profile and editorial assessment, not customer reviews or a promise of approval. Sources checked November 1, 2026.

Visit the official provider website →

Programs and published requirements

Compare the specific program and legal funding entity on your offer. Advertised limits and minimums do not guarantee eligibility or your price.

Commercial lending

Working capital
Working-capital loans address seasonal, cyclical and growth-related financing needs.
Term uses
Term loans fund fixed assets, commercial property and permanent working capital.
Government programs
The bank explicitly identifies SBA 7(a), SBA 504, a low-documentation SBA option and Iowa’s small-business linked-investment program.

Provider sources: Commercial lending official source · Commercial lending official source

When it may fit

Our assessment of the published programs

  • Eastern Iowa and Minnesota businesses planning seasonal borrowing or expansion investments.

What to weigh carefully

  • The website gives indicative eligibility language rather than a firm universal time-in-business minimum; confirm requirements for the selected product.

Questions before you accept an offer

  1. Which government program and equity requirement fit my use of funds?
  2. Can repayments align with seasonal cash flow?

Ask for written terms. Compare net cash received, total repayment, fees, payment timing and early-payoff costs for the same financing need.

Prepare your comparison

Use the same questions and figures for each offer you receive.

Alternatives to research

These are options for a related financing need, not a ranking or a claim of equivalent eligibility or pricing.

Bankers Trust Company

Bankers Trust provides an Iowa comparison for working-capital, equipment and SBA business loans.

First National Bank of Omaha

FNBO offers Iowa businesses operating credit, equipment financing and acquisition or succession financing.

The lender

Type
Bank
Legal name
Farmers & Merchants Savings Bank
Founded
1925
Charter
Not yet provided Add it
Headquarters
Manchester, Iowa
Service area
Based in Iowa; service area not yet provided
Meets in person
Not yet provided Add it
Languages
Not yet provided Add it
Program approvals
SBA 504
Also lends to consumers
Not yet provided Add it
Website
fmbankia.com
LinkedIn
Not yet provided Add it

Loan officers at this lender

No loan officers listed yet. Work here? Claim your profile.

More lenders in Iowa

All of Iowa
AS
American State BankListed
American State Bank offers business operating lines and SBA financing, with separate agricultural credit for farm investment and growth.
BanksBusiness lines of creditWorking capital loansUnclaimed
Sioux Center, IA
BI
Bank IowaListed
Bank Iowa offers business term, construction, property and agricultural loans, with working-capital borrowing for seasonal and operating needs.
BanksCommercial real estate loansEquipment financingUnclaimed
West Des Moines, IA
BM
Bank MidwestListed
Bank Midwest offers business term loans, revolving credit, equipment finance and commercial property lending. Local lenders work with businesses in its Iowa, Minnesota and South Dakota market.
BanksTerm loansBusiness lines of creditUnclaimed
Spirit Lake, IA
BT
Bankers Trust CompanyListed
Bankers Trust combines small-business equipment and working-capital lending with SBA financing and a separate ESOP specialty. The useful distinction is transaction type: a local operating-business loan and an employee-ownership acquisition require different teams and underwriting.
BanksSBA 7(a) loansWorking capital loansUnclaimed
Des Moines, IA
Powered byLevrStanding rises on evidence, never on payment.