Merchant Bank actually experts in international trade, which makes them specialists in dealing with multinational corporations. It may also perform some of the same services as an investment bank, but it does not provide regular banking services to the general public. It is a financial institution providing capital to companies in the form of share ownership instead of loans. It is typically works with companies that may not be large enough to raise funds from the public through an initial public offering (IPO), and these banks use more creative forms of financing.