• Purchase fixed assets, restructure debt, or provide for ownership change and recapitalization
• Debt can be repaid over a longer term that more closely matches the useful life of the asset being purchased
• Longer repayment term can be tied to your company's ability to generate cash, in case of a permanent line conversion or recapitalization
• Amortization and maturity dictated by purpose, usually not exceeding five years
• Variable or fixed interest rates

To view general qualifiers and download an application. Click Here.

• Borrow money for short-term needs
• Increase inventory, carry accounts receivable and pay expenses
• Line can be renewed from year to year
• Credit limit based on your company's current asset levels. Borrowing availability increases as your assets increase, so that your line grows along with your company
• Sweep lines are tied to your business checking account, with automatic line advances and paydowns
• Variable interest

To view general qualifiers and download an application. Click Here.

• Term loans for construction, expansion and leasehold
  improvements pertaining to owner-occupied real estate
• Amortization typically does not exceed 20 years on new
  construction and 12-15 years on current property expansion
• Maturities are typically five-year balloons, but may be longer if needed
• Variable or fixed rates that reprice at three, five or seven years

FirstMerit's Energy Group provides financial services to the energy independents, and actively markets in the Appalachian, Illinois, and Michigan Basins. The Energy Group serves smaller and medium-sized companies throughout the country, financing acquisitions, development drilling, and refinancing existing oil and gas loans.

You will work directly with experienced FirstMerit Energy professionals who take the time to understand your needs. With more than 60 years of industry and energy finance experience, we have the products, services and people to be a valuable partner to independent gas and oil producers.

We provide:

• Revolving credits
• Term credit facilities
• Reducing revolvers
• Loan size: $500,000 - $35,000,000 million with the capacity to underwrite and/or lead larger credit facilities
• Treasury Management Services
• Drilling Program / Investment Escrow Services
• Letters of Credit

For more information or to discuss a specific financing opportunity, please call:
Milt Haynes, Vice President & Relationship Manager
Canton, Ohio.
Office: (330) 498-1536
Mobile: (330) 417-1322

Jim Bolinger, Senior Vice President & Manager
Canton, Ohio.
Office: (330) 498-1535
Mobile: (330) 417-1054

Long-Term Care Lending Whether you are a small, mid-sized or large health care business operator, FirstMerit Bank's Long Term Care Group is prepared to help you with financing to: Acquire senior housing properties or equipment Refinance senior housing properties, assisted living or skilled nursing facilities for better terms and use of equity Expand to add onto existing facilities or construct new ones Focus on your Business At FirstMerit, you won't have to explain how your business works. Our Long Term Care Group is dedicated to meeting the financial needs of the healthcare industry. We also thoroughly understand the economic environment and its impact on your business. Understanding your business also means having the banking services to help you grow. For more information about our products and services, coantact Ken Sinha at (440)953-3613 or by email at Ken.Sinha@firstmerit.com.

We offer: Commercial Real Estate Mortgages Construction Renovation and Leasehold Loans with competitive terms and rates Real Estate Acquisition and Term Loans for new facilities purchase Equipment Loans and Leases Revolving Lines of Credit Asset-Based Lending to supplement your conventional credit arrangement Letter of Credit facilities Bridge financing Government Assisted Programs Areas of healthcare specialties: Nursing Homes Skilled nursing facilities Assisted living facilities Independent care facilities Acute care hospital systems (for profit and not-for-profit) Outpatient care companies Physician group practices Dialysis centers Pharmacy operations Physical therapy operations Home health care