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