No matter what your business is, credit is critical. We can help your business with financial plans to grow or boost daily operation with an infusion of cash. We offer a variety of commercial financing options, with rates and terms to meet your financial goals and your budget.
A borrowing solution for your short-term and intermediate financing needs including investing in capital assets, funding a business expansion or acquisition, or providing permanent working capital. Our team can structure a deal with an appropriate maturity and amortization.
A borrowing solution to support your long-term financing needs on commercial real estate. These loans support your acquisition, construction, redevelopment or refinancing needs for owner-occupied or investment real estate in all core property types including, but not limited to, industrial, office, retail, and residential.
A specialized borrowing solution to support experienced real estate developers with acquisition and development (infrastructure improvements) of raw land into improved building lots that are available for construction and/or resale. Financing is also available for the purpose of constructing a variety of residential or commercial structures on these improved lots. Please contact contact our team to discuss a tailored solution.
A revolving type of credit facility offering a flexible short-term borrowing solution to manage fluctuations in cash flow, which could include paying for operating expenses during the production and sales cycles while waiting to receive proceeds from the collection cycle to pay the line down.
We offer a variety of loans and services tailored to specific municipal or government needs. Please contact our team to discuss specific requirements.
A Letter of Credit is a "stand-by" financing solution that F&M Trust issues on behalf of its client to guarantee contract performance to a third-party beneficiary. We can provide the following types of Letters of Credits: Standby; Performance; and Maintenance.
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