Reason #17 - Loan structuring expertise

A solid business loan is not "one size fits all." Instead, it should be structured to meet the unique needs of the business. Our team has the experience and authority to structure loans that address the unique needs of our business customers. Because it's not enough to just make the loan, we need to find a way to make the loan work for businesses.


Our people are another reason businesses choose to work with us.

Heather Williams
Community Banking Manager


A skilled banker and lender with over 10 years at Merchants Bank, Heather’s customers and co-workers know they can rely on her.  She’s a hard worker who enjoys helping others, known for her organizational skills and eye for detail. Outside work, she loves to exercise – whether it’s yoga, kayaking or other pursuits – and spend time with family and friends.

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Phone: (802) 863-6331
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Branch Location
22 Bissette Dr.
Colchester, VT  05446
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