I own a small practice that I started after graduating from medical school. I started it with money I borrowed from my parents, so I wasn't too sure about what I needed for a commercial loan. I was looking to move to a bigger location and update my equipment (which is several hundred thousand dollars), to better serve my patients. Farmers and Merchants Bank was very helpful with assisting me with what I would need to apply for the loan and actually took the time to sit down with me to go over the best options available for my specific situation. I am VERY pleased with their customer service and recommend them to anyone I know who is looking for a business loan.