Merchants Bank, National Association

Listed

Bank for commercial real estate loans and equipment financingWinona, MinnesotaBased in Minnesota; service area not yet provided

BBLL 001041Listed Oct 2026From public recordsLast checked Oct 31, 2026

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About

Merchants Bank offers conventional term, operating, property and fleet credit as well as SBA lending. Its commercial menu includes dealer floor-plan finance and owner-occupied or investment-property projects.

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

Commercial real estate loans Equipment financing Business lines of credit Term loans Working capital loans

From the lender's own site and public records.

A second look at Merchants Bank, National Association

Direct bank lender; individual facilities remain subject to bank underwriting.

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

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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.

Business lending

Term structure: Set repayment date and number of payments, with fixed or variable interest-rate options.
Property credit: Acquisition, refinancing or construction across owner-occupied and investment properties, including office, warehouse, retail and multifamily.
Specialty assets: Floor-plan financing supports vehicle or equipment inventory; fleet and truck loans finance rolling stock.

Provider sources: Commercial loans · Business loan menu

When it may fit

Our assessment of the published programs

Could suit a regional operator comparing operating credit with property, dealership inventory or fleet finance.

What to weigh carefully

The embedded calculator is illustrative and does not establish universal loan caps or underwriting thresholds.

Questions before you accept an offer

What inventory and fleet collateral qualify?
What advance rates, maturity and guarantees apply?

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.

Wells Fargo

Compare Wells Fargo for U.S. business credit and equipment financing; confirm geographic availability.

U.S. Bank

Compare U.S. Bank for conventional and SBA business credit; confirm local service and transaction fit.

The lender

Type: Bank
Legal name: Merchants Bank, National Association
Founded: 1875
Charter: Not yet provided Add it
Headquarters: Winona, Minnesota
Service area: Based in Minnesota; 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: merchantsbank.com
LinkedIn: Company page

Loan officers at this lender

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Request contact

Tell us what your business needs. Our team reviews your request before arranging the next step.

Charter and approvals

FDIC certificate, 8866Record

Each one links to its official record.

Location

Based in Minnesota; service area not yet provided.

Sources: FDIC BankFind institution record (Oct 31, 2026), FDIC financial report, June 30, 2026 (Oct 31, 2026), Company LinkedIn linked from official bank website (Oct 31, 2026), Commercial loans (Oct 31, 2026), Business loan menu (Oct 31, 2026).

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