Are you looking for the best commercial lender in the Shenandoah Valley? For the past century, F&M Bank has helped local businesses like yours grow and thrive. Whether you’re expanding, remodeling, or making a business move, we tailor your loan to meet your needs. Our team walks you through the process and guides your experience with the personable attention your business deserves. To get started, visit or call one of our convenient locations across Augusta, Page, Rockingham, Shenandoah, and Frederick counties.
Expand your business, consolidate debts, and purchase equipment and supplies with our Business Term Loans. Borrow only what you need and make consistent payments that fit your budget.
Borrow funds at a variable rate, repay the balance and then borrow again as needed without the hassle of reapplying with a commercial line of credit.
Purchase commercial properties and land with this versatile type of funding.
SBA loans are partially guaranteed by the government allowing us to lend you funds for an extended period of time with the same collateral.
Complete domestic and international business transactions that require insurance bonding or cash collateral guarantees quickly and efficiently.
Our agricultural lending team is experienced finding the best options for financing machinery, land, livestock and buildings.