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Business Lending

Commercial and business banking is all about relationships. That's why we'll be with you at every step, even beyond the life of your loan. As a community bank, you'll have access to our team of experts and senior decision-makers where you live and work.

They'll be accessible guides for your first loan and your 50th – whether you're buying a piece of equipment or need capital to grow.

Work with a bank where it's about more than business – it's about helping you achieve your goals. Our attentive local lenders are ready to help you prosper.

Contact Our Commercial Banking Team

Lending Options

Our goal is to provide your business with banking solutions that go beyond traditional lending. At First Merchants, you'll receive one-on-one guidance from your accessible banker that will help your business grow and prosper.

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Lending Solutions

  • Working Capital Needs
  • Term Loans
  • Lines of Credit
  • Equipment Purchase
  • Real Estate
    • Investment
    • Owner Occupied
  • Succession Planning
  • Government Lending Programs
  • Letters of Credit
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Areas of Expertise

  • Asset Based Lending (ABL)
  • Agricultural Lending
  • Commercial Real Estate
  • Debt Capital Markets
  • Practice Finance
  • Public Finance
  • SBA Lending
  • Sponsor Finance

For more information on our services or to get paired with a professional banker in your area, contact us.

Virtual Meetings

We're happy to offer virtual meeting connections to our valued clients. Virtual meetings allow you to connect with us wherever you are on your schedule. Download the video call instructions below if you need to host a video conference. 

Microsoft Teams video call instructions for clients

Did you receive a request for a personal financial statement or an Ag financial worksheet?

Current clients only –download the required form below:





Beneficial Ownership:

On May 11, 2018, new rules took effect, requiring all financial institutions to identify and verify the beneficial owners of a covered legal entity when opening a new account or updating signers on an account, including deposit, loan, and safe deposit box accounts. Find out more about Beneficial Ownership and download the Certification Form.