Government Term Loans

At Merchants Bank, we offer simple solutions for growing municipalities, with access to a wide range of financing options.

If you are looking for long-term financing - for equipment, capital projects, vehicles or other business needs - term loans can be a great way to help keep your municipality thriving.

We offer fixed-interest rate options for term loans. A variety of other loan products are available for your specific needs. Types of borrowing include:

  • Capital Improvement Notes (CIN)
  • Highway Equipment Notes (HEN)
  • Qualified School Construction Bonds (QSCB)

For shorter-term needs or seasonal financing, we offer lines of credit to help manage cash flow.

Please contact one of our government banking experts for more information about financing solutions for your municipality.

Must meet Merchants Bank eligibility requirements.