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First Merchants Bank

Listed
Bank for equipment financing and business lines of creditMuncie, IndianaBased in Indiana; service area not yet provided
BBLL 000770Listed Oct 2026From public recordsLast checked Oct 31, 2026
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About

First Merchants publishes a small-business product ladder that distinguishes unsecured cash-flow borrowing from secured vehicle and equipment loans. The smaller revolving products also distinguish planned working capital from overdraft protection.

Bank. Lends to businesses from its own deposits.

This entry starts from public records. The lender fills in the rest when it claims the entry, which is free.

What they lend

Equipment financingBusiness lines of creditTerm loans
From the lender's own site and public records.

A second look at First Merchants Bank

First Merchants publishes a small-business product ladder that distinguishes unsecured cash-flow borrowing from secured vehicle and equipment loans. The smaller revolving products also distinguish planned working capital from overdraft protection.

Direct bank lender; official disclosures identify First Merchants Bank as the loan provider.

Published by Levr, not by First Merchants Bank. This is a source-based profile and editorial assessment, not customer reviews or a promise of approval. Sources checked October 31, 2026.

Visit the official provider website →

Programs and published requirements

Compare the specific program and legal funding entity on your offer. Advertised limits and minimums do not guarantee eligibility or your price.

Small Business Term Loans

Unsecured
Up to $50,000 without collateral.
Secured vehicles
Vehicle loans up to $75,000.
Equipment
Equipment and rolling-stock loans up to $150,000.
Repayment
A fixed repayment schedule is advertised; the page does not establish a universal maturity or rate.

Provider sources: Term loans

Unsecured lines and overdraft credit

Business line
$15,000–$50,000 without collateral; interest applies to the amount drawn.
Overdraft line
Up to $10,000, unsecured, activated when the linked account lacks funds.
Uses
The business line supports short-term payroll, inventory, marketing and seasonal revenue gaps.

Provider sources: Business lines

When it may fit

Our assessment of the published programs

  • Owners seeking a smaller unsecured bank facility instead of pledging equipment.
  • Businesses that can separate routine working capital from occasional account overdrafts.

What to weigh carefully

  • No collateral does not establish that personal guarantees are waived.
  • The intake form lists Indiana, Michigan and Ohio; applicants elsewhere should confirm eligibility before proceeding.
  • The product pages do not publish origination fees, annual fees or a minimum credit score.

Questions before you accept an offer

  1. Is a personal guarantee required on this unsecured facility?
  2. What fees and renewal conditions apply to the revolving or overdraft line?

Ask for written terms. Compare net cash received, total repayment, fees, payment timing and early-payoff costs for the same financing need.

Prepare your comparison

Use the same questions and figures for each offer you receive.

Alternatives to research

These are options for a related financing need, not a ranking or a claim of equivalent eligibility or pricing.

1st Source Bank

Compare 1st Source term loans and lines.

Old National Bank

Compare Old National small-business financing.

The lender

Type
Bank
Legal name
First Merchants Bank
Founded
1893
Charter
Not yet provided Add it
Headquarters
Muncie, Indiana
Service area
Based in Indiana; service area not yet provided
Meets in person
Not yet provided Add it
Languages
Not yet provided Add it
Program approvals
Not yet provided Add it
Also lends to consumers
Not yet provided Add it
Website
firstmerchants.com
LinkedIn
Not yet provided Add it

Loan officers at this lender

No loan officers listed yet. Work here? Claim your profile.

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