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F&M Trust deposit products

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BORROW BETTER

Business credit solutions for growth & operations

We offer a variety of commercial financing options, with rates and terms to meet your financial goals and your budget.

Contact F&M Trust Meet Our Team

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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
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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
hard hat and blueprints

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
marked out plot of green land

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
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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.
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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
example of F&M Trust credit card
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REACH OUT TO GET STARTED

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.

Contact F&M Trust Meet Our Team

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