We offer a variety of commercial financing options, with rates and terms to meet your financial goals and your budget.
F&M Trust deposit products
BORROW BETTER
Business credit solutions for growth & operations
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ESSENTIAL TOOLS FOR BUSINESS
Financing Options Customized for Your Business
Credit powers growth. Whether you’re expanding or need a boost for daily operations, F&M Trust provides tailored financial plans and cash infusions to keep your business moving forward. Our team structures deals with the right maturity and amortization to fit your business goals - whether for growth or operational stability.
Business Financing Solutions
Flexible terms, competitive interest rates, and local decision-making to get the funds you need fast. We provide financing solutions to meet the ever-increasing demands of your business at every stage of growth.
Term Loans
Our term loan solutions are designed to help businesses finance expansion or purchase fixed assets with ease and flexibility.
- Finance business expansion projects
- Purchase fixed assets to strengthen operations
- Terms available from 1 to 8 years
- Extended terms offered when secured by real estate
- Fixed payments (principal & interest) at regular intervals
- Payments sourced from company earnings or operational cash flow
Commercial Real Estate
Secure financing for the acquisition, construction, or refinancing of commercial properties, including office buildings, hotels, manufacturing plants, and more. Our solutions are designed to help you grow your business with flexible terms and competitive rates.
- Finance the purchase, construction, or refinance of commercial real estate
- Ideal for office buildings, hotels, manufacturing facilities, and other income-producing properties
- Terms available up to 15 years
- Amortization periods up to 25 years for long-term flexibility
- Fixed payments (principal & interest) at regular intervals for predictable budgeting
Land Acquisition & Development
Transform raw land into valuable property with our flexible financing solutions. Whether you’re acquiring land, making infrastructure improvements, or preparing improved lots for construction or resale, we have the right loan for your project. Financing is also available for building residential or commercial structures on these improved lots.
- Acquire and develop raw land into improved building lots
- Fund infrastructure improvements for construction readiness
- Finance residential or commercial construction on improved lots
- Terms available up to 36 months for short- to mid-term projects
- Flexible payment structures tailored to your project needs
Lines of Credit
Get the flexibility your business needs with a revolving line of credit. Access funds anytime up to your approved limit, repay, and borrow again as needed - perfect for managing short-term cash flow and working capital.
- Advance funds anytime up to a predetermined maximum
- Ideal for short-term working capital needs
- Issued for a 12-month term
- Reviewed and renewed annually for continued access
- Interest-only payments at regular intervals
- Full principal repayment if the line is not renewed during review
Letters of Credit
Ensure trust and confidence in your business transactions with an F&M Trust Letter of Credit. We guarantee the performance of a specific action on your behalf, providing security for your partners and peace of mind for you.
- A Letter of Credit issued by F&M Trust guarantees your commitment to perform a specific action by an agreed date.
- If the obligation is not met, F&M Trust pays the beneficiary the specified amount, and you repay the bank under pre-established terms.
Business Credit Cards
Choose from our most popular business credit card options - including low-rate cards, cash back rewards, and flexible rewards programs to find the perfect fit for your business needs.
- Free online expense reporting tools for easy tracking
- No fee for additional employee cards
- Mobile payment capability for added convenience
- Zero Fraud Liability* – you’re not responsible for unauthorized purchases if your card is lost or stolen
- 24/7 Cardmember Service – support available every day of the year
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Ready to Help
As a trusted local community bank, we’re committed to serving our neighbors. Our local financial pros live in the communities we serve and care about your success, delivering personalized service and knowledgeable support every step of the way.
RELATED FEATURES AND SERVICES
Powering Your Business
Secure the right financing, streamline operations with treasury solutions for your business, offer attractive employee benefit programs, and benefit from the expertise of our dedicated Commercial Services Team.
Commercial Services
F&M Trust offers specialized expertise, working closely to understand your needs to build a secure financial footing for your future.
Commercial Banking
Business checking and savings designed to keep your business moving.
Commercial Borrowing
Fuel your growth and streamline operations with flexible business credit options.
Treasury Services
The F&M Trust Treasury Services empower businesses to optimize cash flow through strategic tools and expert guidance.
Employee Benefit Services
Employees want to work for companies that invest in their future. Offering a competitive retirement plan not only strengthens your benefits package but also shows your commitment to long-term employee well-being.