Your business size shouldn’t dictate your goals. Secure the long-term, favorable financing you need to grow.
Key Features
-
![]()
Competitive Rates
-
![]()
Lower Down Payments
-
![]()
Extended Terms
Competitive Rates
Lower Down Payments
Extended Terms
- Available for start-up businesses, as well as purchasing and refinancing existing businesses
- Government-assisted help for businesses that might otherwise have difficulty getting approved
- Special financing for qualifying businesses
- Competitive rates for a wide range of business needs:
- Commercial real estate purchase
- Construction
- Business acquisition or expansion
- Equipment/inventory purchase
- Working capital
- And more
- A wide range of lending options available
- Additional considerations taken when deciding maturity1
- Generally lower down payments and extended terms2
- Attentive, friendly service from start to finish
- Government-backed lending for qualified small businesses
- Loan amounts up to $5,000,0002
- Up to 85% financing2
- Available for the purpose of:
- Equipment
- Real estate
- Startups
- Working capital
- Business acquisition
- Refinancing existing debt
- Lower down payment and longer repayment terms than conventional loans
- Repayment term details:2
- Real estate — up to 25 years
- Business acquisition — up to 10 years
- Machinery and equipment — up to 10 years
- Working capital and inventory — up to 10 years
- Government-backed lending for qualified small businesses
- Loan amounts up to $12,000,0002
- Loan to value up to 90%2
- Available for the purpose of:
- Land and building purchase or construction
- Long-term equipment
- Lower down payment than conventional loans
- Repayment term details:2
- Real estate — up to 25 years
- Machinery and equipment — up to 10 years
- Government-backed lending for qualified small businesses
- Loan amounts up to $1,776,0002
- Loan to value up to 80%2
- Available for the purpose of:
- Purchase or refinance of real estate
- Equipment loans for rural areas
- Lower down payment than conventional loans
- Repayment term details:2
- Real estate — up to 25 years
1Loan maturities are based on the ability to repay, the purpose of the loan proceeds, and the useful life of the assets financed.
2Loan terms and rates subject to change.
To request a demand for payoff, call us at (800) 552-6796 during regular business hours, M-F, 8am-5pm, PT.
Mail Loan Payments to:
F&M Bank
Loan Service Center
P.O. Box 3000
Lodi, CA 95241-1902
Payments received before 5pm Monday through Friday are credited on the date received. Automatic payments are processed on the loan due date or prior business day if on a weekend or holiday.
For loan information requests or to assert a loan error, please contact us at the above address.
This information is effective 4/1/2021 and subject to change anytime without notice.