F&M Bank has been serving businesses in the Shenandoah Valley for the past century. Our employees are part of the same community as our customers. We understand the local economy and the concerns of local businesses, particularly farmers and other agricultural enterprises. It is this expertise, as well as our flexibility and professional service, that attracts business owners to bank with us. When it comes to commercial lines of credit and other business loans, you can trust your local community bank to provide competitive rates, flexible terms, and excellent customer service along the way. When we help you invest in your business, everyone succeeds.

What are business lines of credit?

Access to capital is an essential ingredient in the success of any business. Most entrepreneurs need funding to get started. Once your business is up and running, you may still need extra cash from time to time. Business credit lines fill that role, providing the capital you need when you need it, and often at a better rate than you’d get with a credit card. And unlike a credit card, a business line of credit provides cash.

Some business owners open a business credit line before they even need a working capital loan. Knowing the credit line is there when you need it gives you peace of mind as you experience the ups and downs of running a small business. Unlike a fixed term loan, you only borrow and pay interest on the amount you need. And you can use your commercial line of credit for a variety of purposes.

How can a commercial line of credit help my business?

From unexpected expenses and cash flow shortages, to the investments that take your business to the next level, a commercial line of credit can help your business with just about anything you can imagine. Purchase additional inventory ahead of a busy season, make payroll during a slow period, invest in new equipment or technology, finance a small remodeling project, or pay off higher interest debt. Your business credit line is there when you need it, whatever you need it for.

Contact our lending team today!

Call us today or visit your local branch in Augusta, Page, Rockingham, or Shenandoah county. From Harrisonburg to Staunton, and all across the Shenandoah Valley, F&M Bank is your local choice for personalized business banking. Let our friendly and knowledgeable lending team help you identify all the ways a commercial line of credit can help your business grow and succeed.

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