Farmers & Merchants Bank of Central California
SBA lender based in California serving 2 states and 44 industries
Farmers & Merchants Bank of Central California has funded 214 SBA loans across 2 states and 44 industries. Their average loan size is $236K. Whether they are the right SBA lender for your deal depends on size, industry, geography, and credit profile — PeerSense matches your deal against Farmers & Merchants Bank of Central California and 897+ alternatives based on closing probability + pricing.
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Book a CallWhy borrowers choose Farmers & Merchants Bank of Central California
Farmers & Merchants Bank of Central California is best suited for borrowers seeking mid-market business acquisitions and franchise build-outs, with an average SBA loan of $236K. The lender's deepest industry experience is in Limited-Service Restaurants, and their highest-volume state is California. With 214 SBA loans funded across 2 states, they operate as a regional specialist anchored in California. Their portfolio default rate is 1469.00%. If your deal profile aligns with their underwriting box, this lender is worth a quote — PeerSense matches your specific deal against Farmers & Merchants Bank of Central California and 897+ alternatives.
Recent SBA Activity at Farmers & Merchants Bank of Central California
Franchise lending: Farmers & Merchants Bank of Central California has funded SBA loans for multiple franchise concepts, with the highest volume in MAIL BOXES ETC. USA, SUBWAY SANDWICH SHOP, and QUIZNOS. Lender-franchise familiarity reduces underwriting friction: brands the lender already knows clear faster and re-trade less.
Industry concentration: The lender's highest-volume SBA industries are Limited-Service Restaurants, Administrative Support, and Clothing & Accessories. Borrowers in these NAICS sectors typically see better terms and faster approvals.
Geographic concentration: Top markets are California, and Nevada. Lenders typically underwrite faster in states where they already have closing comps.
Compare Farmers & Merchants Bank of Central California to Similar SBA Lenders
Other SBA lenders headquartered in California with similar deal-size profiles. Borrowers should always compare 3–5 lenders before committing.
Looking for SBA Financing?
Tell us about your deal and we'll match you with the right capital source from our network. PeerSense uses proprietary data on lender track records to find the best fit for your industry, location, and loan size.
About Farmers & Merchants Bank of Central California SBA Lending
Farmers & Merchants Bank of Central California is an SBA lender headquartered in California. PeerSense tracks this lender's SBA lending activity, including approval trends, geographic coverage, and industry specializations.
Farmers & Merchants Bank of Central California serves borrowers across 2 states and 44 industry sectors with a regional lending focus. To find out whether Farmers & Merchants Bank of Central California is a good fit for your specific deal, reach out to PeerSense for a free lender match.
PeerSense maintains detailed performance data on hundreds of SBA lenders to help borrowers and brokers identify the right capital source. Rather than spending weeks researching lenders on your own, book a free call and let our team match you with lenders who have a proven track record in your industry and geography.
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See Related Rates by Program
PeerSense covers the full commercial capital stack. Rates and structures across our money pages — updated weekly.
CMBS Conduit
5.60–7.10%10-yr non-recourse fixed, $5M–$500M+, fully assumable
Bridge Loans
9.00–14.00%12–36 mo transitional, SOFR + 470-970 bps, 65-75% LTV
DSCR Investor
5.95–8.50%30-yr fixed rental, qualifies on property cash flow
Equipment Financing
5.50–12.00%Loan, lease, SBA 504, vendor, captive — Section 179 eligible
Hotel Financing
5.85–11.75%CMBS + SBA 504 + bridge + PIP across all flags
Mezzanine Debt
11.00–18.00%Subordinate to senior, $1M–$50M, capital stack fill
Private Credit
7.80–18.00%Non-bank flexibility, unitranche, recap, transitional
Invoice Factoring + ABL
0.5–3.5% / 30dB2B receivables, trucking / staffing / construction / govt
No-Doc CRE
7.50–11.50%Limited-doc commercial, asset-based underwriting