Term Loans and More for Your Business
As a community-based bank, we are committed to helping the businesses in our community grow and prosper. Whether you need business financing for daily operations or to fund growth and expansion, we have loans and programs that can help.
F&M Bank’s commercial lenders take the time to listen to your needs. That way, the commercial loan solutions we offer are customized to your business’ cash flow and budgetary needs.
Commercial Term Loans
Growing any business takes patience, a determined attitude and funding. F&M Bank’s commercial term loans offer financial assistance to business owners who are ready to take the next step forward in growth:
- Available in fixed or variable rates
- Payment schedules can be tailored to fit your business’ cash flow
- Can be used to purchase capital assets or refinance existing commercial loans
Commercial Lines of Credit
If your business experiences peaks and valleys in your cash flow, a commercial line of credit from F&M Bank provides coverage for times when business is thin:
- Revolving loan with pre-approved credit limits
- Cover pre-paid expenses and working capital needs
- Pay interest only on what you borrow
- Variable interest rates available
Returned checks and overdrafts are embarrassing, especially when making purchases from other businesses. Business Worryfree acts as protection from overdrafts for your business checking account:
- Revolving line of credit with pre-approved limits connected to your business checking account at F&M Bank
- Funds are automatically transferred to cover any overdrafts and short-term cash needs
- Your monthly payment is deducted from your checking account automatically
SBA Loans provide small businesses the necessary funding to acquire the physical property, such as land, supplies, inventory and other things needed to start or expand your business.
If you are a small business owner looking to capitalize on a great business idea or expand your operation, get in touch with F&M Bank today to learn more about how SBA Loans could benefit you.
Contact an F&M Bank Commercial Lender to Get Started
Ready to start the conversation about your commercial loan needs? F&M Bank’s commercial lenders are ready to listen and help you find the best solution for you. Give them a call or stop by to see them today.
J. Michael Holloway
Senior Vice President
Senior Loan Officer
Phone: 309-343-0002 ext. 20608
David M. Walter
Vice President Commercial and Ag Banking Manager
Phone: 309-343-0002 ext. 20654
Trent D. Cox
Assistant Vice President Commercial and Ag Banking
Phone: 309-343-0002 ext. 20637
Annette P. Pickrel
CTP, Cash Management Officer
Phone: 309-343-0002 ext. 20623
Janice K. Kepple
Peoria Market President
Peoria Market Vice President