In recent years, many industries have turned to AI for guidance, efficiency, and error reduction. While this shift reflects ongoing evolution, SBA lending at Merchants Bank remains rooted in our team's expertise. Our customers continue to benefit from the sound, accurate, and personalized guidance our experts provide in an ever-changing lending landscape – a commitment our team has successfully been able to maintain.
When borrowers connect with us, not only are they getting real relationships from our expert team of lenders, but we also provide them with tools and education that will keep their business sustainable. This is not limited to only one type of business, either. Our team is committed to collaborating and connecting with companies in diverse industries seeking sound financial advice.
Throughout this year, we have connected with business owners across the country, all working to uniquely impact their communities and organizations in positive ways. Some of the top loans facilitated this year include:
- A community project in northern Arizona dedicated to tutoring and educating adults and youth to help them achieve their fullest potential by obtaining a high school education.
- A truck stop travel center in Wisconsin, providing new opportunities for the company and economic stimulation to the surrounding community.
- A Chicago-based exporter of foods and a fuel supply company based in Ohio, working to expand each company’s reach.
- A Montessori school based in Texas, paving the way for an improved academic experience for students and staff.
In total, Merchants Bank was able to secure $16.9M+ in funds for these small businesses to support their growth and success.
Beyond completing these deals, the Merchants Bank SBA team consistently goes further than financing. We work closely with borrowers to restructure deals and, when necessary, advise against transactions that could put a business at risk. For example, we were able to protect owners from finding themselves under unnecessary financial strain after we identified collapsing margins in their pricing strategies. We raised alarms as a collaborative partner for the benefit of the owners and their future.
Our team has also guided borrowers through complex regulatory challenges, such as shareholder eligibility and compliance requirements, while providing tailored advice, market trend analysis, and custom loan structuring to fit unique business needs. By navigating SBA policy changes, including SOP updates and equity injection requirements, we’ve earned strong borrower trust through selective yet decisive deal execution and the depth of expertise across our team.