What government banking solutions does Mercantile Bank offer?

Mercantile Bank provides public funds deposit accounts, treasury services including ACH and wire payments, fraud mitigation tools, digital disbursement programs, and financing options such as tax anticipation notes and installment purchase agreements.

Who does Mercantile Bank serve?

Mercantile Bank serves Michigan municipalities, counties, K-12 school districts, public authorities, utilities, housing authorities, and higher education institutions.

What sets Mercantile Business Banking apart from similar lending programs at other institutions?

With Mercantile Business Banking we look beyond individual transactions toward a comprehensive approach encompassing tools for a busy business owner manage cash flow including receivables & payables, top of the line access to account services while on the go, and the ability to communicate with your Banker when it's most convenient to you.

Where do I go to begin a relationship with Mercantile's Business Banking?

Mercantile Branch Managers, who know their communities and are passionate about serving them, function as Business Banking Lenders, so a visit to your local branch is a great place to start.

What information is necessary to begin the process of obtaining credit through Mercantile's Business Banking?

To obtain Term Loans and Lines of Credit Mercantile Business Banking typically requests 2 years' tax returns for the business, a debt schedule, as well as 2 years' tax returns and a personal financial statement for each individual who owns 20% or more of said business. These pieces of information help to get the conversation started, and it is common for more information to be requested prior to approval.

Business Banking | Mercantile Bank

Community Banking for Michigan's Businesses

Mercantile Bank’s Small Business Banking team is committed to helping Michigan community businesses simplify finances, strengthen cash flow, and plan for growth. We offer business checking and savings accounts, lending solutions, and treasury management services such as ACH, wires, remote deposit, bill pay, online banking, and fraud protection. Our local team delivers practical financial tools and personalized support to help your business run smoothly and grow with confidence.

Local Community - Mercantile Bank

Local Expertise

Founded by entrepreneurs for entrepreneurs, Mercantile Bank brings local service and practical business banking solutions that help Michigan businesses grow with confidence.

Small Business Banking Team

Relationship - Mercantile Bank

Relationship Driven Growth

From small business banking to commercial banking, Mercantile Bank provides relationship-driven support thoughtfully tailored to your needs as your business grows.

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Knowledge - Mercantile Bank

Specialized Knowledge

Mercantile Bank brings together the tools, technology, resources, and expertise your business needs in one place, with a local team here to support you every step of the way.

See How

What type of business does the Business Banking Team serve?

For profit businesses up to $250,000 in total borrowing relationship
Non-real-estate transactions

* For businesses above $250,000 in total borrowing relationship or real estate, our Mercantile Bank Commercial team would be happy to help.

Mercantile Bank - Branch - Customer and Employee

Business Lending Solutions

Experience a full-service bank that is dedicated to helping Michigan businesses grow and thrive. As a community bank, we're in the business to help your business. And sometimes what your business needs is simple and efficient tools, delivered with personal attention.

For lending solutions above $250,000 or for commercial real estate financing connect with a lender near you to schedule a time to meet and discuss your needs.

Business Term Loan

Use a business term loan to finance equipment purchases, vehicles, or other business investments to grow.

Loan Amount: $5,000 - $250,000
Loan Term: Up to 5 Years
Interest Rate: Fixed

Apply Now

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Business Line of Credit

Access working capital easily to support business operations with a flexible line of credit whenever you need.

Loan Amount: $10,000-$250,000
Loan Term: Up to 5 Years
Interest Rate: Variable

Apply Now

+ Expand Details

Business Rewards Credit Card

Mercantile Visa® Business Rewards Credit Card maximizes cash flow, creates payment efficiencies and more.

Card Limit: $1,000-$50,000
Rewards: Earn 1 point per $1
Annual Fee: $0

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Community Business Banking Team

At Mercantile Bank, our local branch teams are equipped to help businesses with the tools and guidance they need at every stage. Branch managers receive business banking training that helps them connect customers with the right solutions, from Small Business Checking to a Business Term Loan, while providing personalized support close to home.

Find a Local Branch near you or contact us today.

Find A Local Branch

"Our clients choose us because we show up with solutions in hand, as true partners to build relationships—not transactions—with the strength of local commitment. As we continue expanding our government banking portfolio, this partnership approach is at the core. We’re investing in local relationships, municipal growth, and a long-term commitment to the communities we serve.”
- Tam Flake

Mercantile Bank’s Business Banking team, as part of a relationship-focused community bank, has consistently supported businesses in achieving their financing goals. Our dedicated lenders take a hands-on approach, investing time to understand each client’s business and ownership structure at a deeper level. As one client shared, Mercantile Bank’s streamlined process, combined with exceptional and personable service, exceeded expectations. Clear, timely communication and an efficient experience were key reasons they chose to partner with Mercantile Bank.

Amy Bassett Belding Branch Manager

Helping business owners is one of the most rewarding parts of being a banker. I love being someone they can call, stop in and see, or lean on when they need help keeping their business running and growing. I want to be more than just their banker. I want to be a trusted partner and a small part of their success story. To me, that's what Mercantile Bank Business Banking is all about.

Ann Martinez Ionia Southside Branch Manager

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Frequently Asked Questions on Small Business Banking

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Sat. from 9am - 1pm

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Business Banking

Community Banking for Michigan's Businesses

Local Expertise

Relationship Driven Growth

Specialized Knowledge

What type of business does the Business Banking Team serve?

Business Lending Solutions

Business Term Loan

+ Expand Details

Business Line of Credit

+ Expand Details

Business Rewards Credit Card

+ Expand Details

Community Business Banking Team

Frequently Asked Questions on Small Business Banking

What sets Mercantile Business Banking apart from similar lending programs at other institutions?

Where do I go to begin a relationship with Mercantile's Business Banking?

What information is necessary to begin the process of obtaining credit through Mercantile's Business Banking?

Have questions? Merc is here to help.

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