Term Loans
Financing built to move your business forward.
A flexible loan solution designed to support growth, expansion, and long-term investment in your business.
FDIC-Insured - Backed by the full faith and credit of the U.S. Government
F&M Bank 
Online Banking
Download our app
Just scan the QR code and grab our mobile banking app—it’s super easy and makes banking a breeze!
Download our app
Tap the badge and grab our mobile banking app—it’s super easy and makes banking a breeze!
Invest in your business with confidence.
From purchasing equipment to expanding operations, business growth often requires access to capital. A Business Term Loan from F&M Bank provides a structured way to finance those larger investments with predictable repayment terms.
Whether you’re planning your next step or responding to new opportunities, our team works with you to structure a loan that fits your business needs.
- Designed for equipment purchases, expansions, and business investments
- Fixed loan amount with consistent repayment structure
- Competitive interest rates to support long-term planning
- Local decision-making for a more responsive experience
Built to support a wide range of business needs.
A business term loan can be used for a variety of strategic investments that help move your business forward.
Equipment Purchases
Finance new or used equipment to improve operations
Business Expansion
Support growth through new locations or facility upgrades
Business Acquisitions or Buyouts
Invest in ownership transitions or opportunities
Debt Refinancing
Consolidate or restructure existing obligations
Local expertise. Personalized solutions.
At F&M Bank, you’re not just applying for a loan—you’re working with a team that understands your market. Our lenders live and work in the communities they serve, bringing local insight and a hands-on approach to every relationship.
We take the time to understand your business and help structure financing that aligns with your goals.
iOS and Android Users
Download the F&M Bank app on your mobile device.
Let’s find the right financing for your next step.
Every business is different, and your financing should reflect that. Connect with a member of our lending team to explore your options and build a solution tailored to your needs.
Business term loans provide a reliable way to finance larger investments and support long-term growth. With competitive rates, flexible structures, and local decision-making, F&M Bank works with businesses across Virginia to deliver financing solutions aligned with their goals. Whether you’re expanding, upgrading equipment, or refinancing existing debt, a term loan can help position your business for what’s next.