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Small Business Lending

Why We’re One of the Best Banks for Small Business Loans.

Get the funds you need with tailored business loan options designed exclusively for small businesses. We are your small business lender right in your community, we’re focused on your success by helping you choose the best financing options for your needs and getting it done fast.

Compare lending options and apply for a small business loan and see how we can help you prosper.



Flexible Small Business Loan Options to Fit Your Needs



Small Business Lines of Credit

Ideal for managing cash flow, purchasing inventory, or covering short-term needs.

Learn More about Lines of Credit

Small Business Term Loans

Perfect for major purchases, expansion, or capital improvements.

Learn More about Term Loans

Overdraft Line of Credit

Protect your business from overdrafts with our overdraft protection service at First Merchants Bank. Avoid fees and disruptions.

Protect Your Cash Flow

SBA-Guaranteed Small Business Loans

As an SBA preferred lending provider, we proudly support small businesses with Small Business Administration (SBA) backed
lending options.

Learn More about SBA Lending

Why Small Businesses Choose Us



Small Business-Ready Mobile App:

Manage your finances on the go—deposit checks, transfer funds, pay vendors, and monitor accounts securely from any device.

Explore our technology

Local, Reliable Support:

Our bankers live and work in your community. They’re accessible, responsive, and committed to helping your small business prosper.

Contact a banker.

Invested in Your Community:

We support local causes, volunteer our time, and offer financial wellness programs to strengthen the communities we serve.

Making an impact

Community Business Lending Team Photo

Empowering Women and
Minority Entrepreneurs

Meet the team that’s dedicated to building inclusive, thriving communities through personalized financial education and access to capital.

Learn More

Ready for a small business lender who cares about your success?