Loans | Commercial Business Loans

Man in a baseball cap standing in front of a tractor.

Farmers & Merchants Bank can help make your business goals a reality! Our experienced business experts take the time to fully understand your business and offer the best financial solutions to fit your needs, while creating a convenient repayment plan that works for you.

We realize these are challenging times, and Farmers & Merchants Bank is here to help you meet those challenges. We take a “personal” approach to solving the financial hurdles businesses owners deal with on a daily basis. Whether you need working capital to finance inventory, a term loan to finance equipment, or a commercial mortgage loan to finance real estate, we can customize a plan just for you.

Let us come to you! Our business lenders look forward to the opportunity to meet with you in the comfort of your own office. Please call 724-543-1125 to schedule your personal visit with one of our experienced business experts today!

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  • Lines of Credit
  • Term Loans
  • Real Estate Loans
  • Loans and Lines of Credit - secured by CDs, deposit accounts, life insurance, or marketable securities
  • Revolvers to Finance Vehicles or Equipment
  • Construction / Permanent Real Estate Loans

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Please stop in and visit any of our lenders at the following locations:

Loan Center
201 Market Street, Downtown Kittanning (Corner of Market & Jefferson Streets)

Commercial Business Lenders:
Herman Krummert P. 724-548-9221 F. 724-543-4786
Stephen Rusek P. 724-548-9268 F. 724-543-4786
Cindy Baculik P. 724-548-9244 F. 724-543-4786
Greg Schultz P. 724-548-9266 F. 724-543-4786
Toni Conrad P. 724-548-9251 F. 724-543-4786

Consumer Loan & Residential Mortgage Lender:
Jean Beers / NMLS ID 455659
P. 724-548-9237 F. 724-543-4786

Highlands/ W. Kittanning branch office
316 First Avenue, West Kittanning
Lender: Donald Boyer / NMLS ID 452809
P. 724-548-9243 F. 724-545-1319

Leechburg branch office
160 Market Street, Downtown Leechburg (Corner of Market & 2nd Streets)
Lender: Mark Maszgay / NMLS ID 456453
P. 724-845-3411 F. 724-845-9544

422 East branch office
105 Burton Drive, US Route 422, Kittanning
Lender: Connie Grafton / NMLS ID 451632
P. 724-548-9242 F. 724-543-6077

You may obtain a loan application at any of our eight locations or print them out here on our website. Loan Center Fax: 724-543-4786.

With a combined lending experience of over 240 years, our lenders take the time to work with you to fully understand your financial needs. Our lenders strive to provide the best one-on-one customer service, and they make it their goal to help you obtain the right type of financing. We care about our customers and take great pride in helping people purchase their new home, buy their favorite automobile, make home improvements, send their children to college, expand their business, or finance unexpected expenses.

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Holiday Hours

All Offices Closing at 4:30pm:
Friday, October 3
In Preparation for our merger with NexTier Bank

All Offices Closed:
Saturday, October 4
In Preparation for our merger with NexTier Bank

All Offices Closed:
Monday, October 13
Columbus Day

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