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“Our commercial lenders will assist you in finding the perfect business loan, from construction to real estate. Please contact us to learn more about our commercial lending solutions and rates. Contact Us”

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“A commercial loan will help you, our business partner, with making an inventory purchase or improving your cash flow! ‍ Home / Business / chevron_left Collection Business Loans / Investment and Commercial”

“Finance owner‑occupied offices, retail storefronts, industrial warehouses, or multi‑family properties. We offer up to 80% loan‑to‑value with amortizations up to 20 years and balloon options tailored to your strategy. Interest‑only periods are available during construction or stabilization phases.”

“Construction Loans”

“Property Types: Office, retail, industrial, multifamily LTV: Up to 80% of appraised value Amortization: Up to 20 years Rates: Fixed or adjustable Draw Options: Interest‑only during build or rehab Closing: Local underwriting & servicing”

“Our experienced CRE team coordinates appraisals, environmental reviews, and title work, providing clear guidance from application to closing. Decisions are made in‑house, so you get timely answers and a lender who knows the Texas market—loans subject to credit approval.”

“With an outstanding reputation among builders and customers, we have the expertise to guide you through the process from application to completion. Local decision making, processing and servicing for the life of your loan One-time closing helps you save on closing costs Up to 30 years financing available (Fixed Rate or Adjustable) No pre-payment (early payoff) penalties Apply Construction-Perm”

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“Mortgage Lending Loans Construction Loan”

“Thinking of remodeling your home or buying a home that needs a face lift? With a Renovation Construction-Perm Loan, renovations are financed in conjunction with a new home purchase or refinance. Local decision making, processing and servicing for the life of your loan One-time closing helps you save on closing costs Up to 30 years financing available (Fixed Rate or Adjustable) No pre-payment (early payoff) penalties Apply Renovation Meet the Team Apply Now Mortgage Calculators”

“Commercial Lines of Credit are designed to serve businesses that need ongoing financing. Lines are customized to fit your business' needs. Privacy Forms Library Facebook icon Twitter icon © Farmers & Merchants Bank”

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“New construction”

“We offer a variety of business loans * to meet your cash flow needs. Whether you are looking for an operating line of credit, a term loan, or commercial mortgage we are here to help.”

“Construction financing - short-term financing to complete a project and you pay only interest during the construction phase”

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“Designed for borrowing needs of less than 1-year Finance seasonal cash flow needs or working capital for receivable collection Flexible arrangements for short-term needs Gap financing while arranging a different loan Pre-determined maximum amount which allows you to borrow as needed Pay interest only on the amount you have outstanding Easy access to funds - you can make advances in person, by phone, or in writing Reserve Checking - a simpler line of credit linked to your business checking account”

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“Designed for intermediate term borrowing needs of 1-10 years Repayment based on your company's cash flow - payments can be set for monthly, quarterly, or annually Used to finance permanent assets such as equipment, machinery, and furniture and fixtures”

“Bridge Loans”

“Business Construction & Lot Loans”

“Can combine the construction and permanent mortgage into one loan”

“Construction & Lot Loans”

“For the construction of spec or presold residential homes, commercial/industrial buildings, tear downs, renovations and land development”