Small Business Financing (SBA)

F&M Bank is a preferred Small Business Administration (SBA) lender. Our team of experienced Relationship Managers can explain the benefits of SBA loan programs and help determine if your business is eligible.   

SBA Loans can allow for more flexible financing options for small businesses looking for a long-term, fixed-rate financing solution.  

SBA Financing Can Be Used For:  

  • Purchase or expansion projects 
  • Long-term machinery and equipment upgrades 
  • Utility and landscape improvements 

Key Features:  

  • Longer repayment terms (up to 25 years for owner-occupied real estate fully amortized)
  • No pre-payment penalties for loans with maturities less than 15 years
  • No balloon payments 
  • Flexible collateral structure 

Contact Our Expert Today

Brooke Zirk

Brooke Zirk

Vice President; Commercial Relationship Manager

NMLS# 435264

Have Questions? Get In Touch

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