Small Business Lending

F&M Bank provides business banking clients the opportunity to apply for small business loans and lines of credit up to $25,000 to meet cash flow needs and build business. Applying will not affect your credit score and applicants who bank with us may receive funding in as little as 24 hours after credit approval.

F&M Client Portal

Click on the arrow above to apply for a small business loan or to upload financial statements and other documents.

The following small business lending products and services are offered:

  • Term loans
  • Lines of credit
  • Borrow up to $25,000 unsecured
  • Affordable interest rates
  • Receive loan offer with no credit impact
  • Borrowers can apply in minutes, receive a decision in hours, and funds are typically deposited the next business day after credit approval and acceptance to clients with F&M Bank business banking accounts
  • You must open an F&M Bank business banking account before receiving funds 

This is not an offer of credit: applications subject to individual approval; standard terms and conditions apply; rates and amounts may vary. “Affordable interest rates” refers to quoted interest rates and fees at time of loan application.

While you may apply for a loan or line of credit even if you do not have an F&M Bank account, if you are approved you must open an F&M Bank Business Checking Account before receiving your funds.