At F&M Bank, we're proud of our ability to design the right loan to satisfy the unique needs of our business customers. From solving your short-term cash flow needs to backing your next building project, we consistently provide convenient and affordable financing. Also, we understand that immediate access to funds can mean a great deal to your business in dollars and cents. Our local ownership and decision-making means we are able to provide quick answers to our customers. In addition to various types of loans, F&M also offers business credit cards. Partner with one of the Shenandoah Valley’s oldest community banks for business loan financing that fits your goals and your budget. Find out what sets F&M apart from other business lenders. We are committed to providing excellent customer service and investing in the success of local businesses in the communities we serve.

Explore F&M’s Business Loan Financing Options

Business Term Loans

Do you need financing for equipment or supply purchases, expansion of inventory, the purchase or expansion of your business, or debt consolidation? All of these objectives and more can be satisfied with a Business Term Loan, which allows you to borrow only what you need and make consistent monthly payments that fit your budget.

Real Estate-Secured Loan

Use the equity in one or more commercial properties you own to secure the business loan financing you need.

Working Capital Loans

This type of commercial loan allows you to plan for the future and take advantage of supplier discounts.

Commercial Lines of Credit

Working Capital needs can also be satisfied with a Business Line of Credit that allows you to borrow funds at a variable rate, repay the balance and then borrow again as needed without the hassle of reapplying.

Commercial Land Loans

Projects for commercial land acquisition and site development can be financed with a commercial land loan, a versatile type of funding that can be used for a variety of purposes.

Government Assisted Loans from the Small Business Administration (SBA)

We can assist you in understanding your SBA loan options. This type of financing is partially guaranteed by the government, so we are able to lend you funds for a longer period of time with the same collateral. In addition, our commercial lending experts will help you assemble the required application package.

Agricultural Financing

Our long history as a community bank in the Shenandoah Valley has given F&M Bank considerable experience in lending to farmers and other agricultural businesses. Our agricultural lending team knows the best options for financing machinery, land, livestock and buildings. We often recommend government-guaranteed programs through the FSA (Farm Service Agency).

Letters of Credit

This type of commercial loan financing enables business customers to quickly and efficiently complete domestic and international business transactions that require insurance bonding or cash collateral guarantees. Subject to credit approval.

Business Credit Cards

F&M Bank can help give your business an advantage with our Visa and MasterCard programs. In addition to being a great cash management tool, the cards can be used to pay for everything from office supplies to airline tickets – giving you and your employees more convenience and control.

Classic Visa

All of F&M Bank’s business credit cards come with no annual fee, a low interest rate, worldwide buying power, and other perks.

Visa Gold

Enjoy additional benefits with your Visa Gold business credit card.

Visit our business credit cards page to learn more.

Learn more about our business loan options

Questions? Need help figuring out the best commercial loan option for your company? Contact us to speak to one of our commercial loan lenders about your business’s particular needs. You can also visit your local F&M branch in Augusta, Page, Rockingham, or Shenandoah County. From Harrisonburg to Staunton, and all across the Shenandoah Valley, F&M Bank is there to help your business succeed.

All loans subject to credit approval.Our Lending Dictionary can help you with terminology commonly used in loan applications and with real estate-related contracts.

*Insurance products are:
  • NOT A DEPOSIT
  • NOT FDIC-INSURED
  • NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
  • NOT GUARANTEED BY THE BANK
  • MAY GO DOWN IN VALUE