Borrow Better

No matter what your business is, credit is critical. We can help your business with financial plans to grow or boost daily operation with an infusion of cash. We offer a variety of commercial financing options, with rates and terms to meet your financial goals and your budget.

Commercial Financing

  • Term Loans

    A borrowing solution for your short-term and intermediate financing needs including investing in capital assets, funding a business expansion or acquisition, or providing permanent working capital. Our team can structure a deal with an appropriate maturity and amortization.

  • Commercial Real Estate Loans

    A borrowing solution to support your long-term financing needs on commercial real estate. These loans support your acquisition, construction, redevelopment or refinancing needs for owner-occupied or investment real estate in all core property types including, but not limited to, industrial, office, retail, and residential.

  • Land Acquisition and Development

    A specialized borrowing solution to support experienced real estate developers with acquisition and development (infrastructure improvements) of raw land into improved building lots that are available for construction and/or resale. Financing is also available for the purpose of constructing a variety of residential or commercial structures on these improved lots. Please contact our team to discuss a tailored solution.

  • Lines of Credit

    A revolving type of credit facility offering a flexible short­-term borrowing solution to manage fluctuations in cash flow, which could include paying for operating expenses during the production and sales cycles while waiting to receive proceeds from the collection cycle to pay the line down.

  • Municipal and Government Agency Loans

    We offer a variety of loans and services tailored to specific municipal or government needs. Please contact our team to discuss specific requirements.

  • Letters of Credit

    A Letter of Credit is a "stand-by" financing solution that F&M Trust issues on behalf of its client to guarantee contract performance to a third-party beneficiary. We can provide the following types of Letters of Credits: Standby; Performance; and Maintenance.

  • Business Credit Cards

    Choose from our popular business credit card options such as low rate, cash back or flexible rewards to find the one that works best for your business.

    No matter what card you choose, your business will benefit from important features like:

    • Free online expense reporting tools.
    • No fee for additional employee cards.
    • Mobile payment capability for added convenience.
    • Zero Fraud Liability.* You won't be liable for fraudulent purchases when your card is lost or stolen.
    • Cardmember Service available 24 hours a day/365 days per year.

    Learn More and Apply Now

    *Elan Financial Services provides zero fraud liability for unauthorized transactions. Cardholder must notify Elan Financial Services promptly of any unauthorized use. Certain limitations and restrictions may apply.
    The creditor and issuer of these cards is Elan Financial Services, pursuant to separate licenses from VISA U.S.A Inc., and Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

Deposit Services

Need better payroll and accounting solutions for your business?

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Treasury Management

Need your business’s cash to work harder for you?

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Employee Benefit Programs

Keep your employees healthy and happy with our Benefits Programs.

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Commercial Services Team

Question for an expert? We’re ready to help.

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