Get a loan that's as flexible as your business approach. An operating line of credit is useful when your business incurs expenses and realizes income at different times during the year. Use it on a large expense or spend it throughout the year. You only pay interest on what you use.

Details
  • Competitive rates for a wide range of long-term or seasonal business needs:
    • Seasonal fluctuations
    • Inventory
    • Capitalize on trade discounts
    • Working capital
    • Ongoing updates
    • And more
  • Provides greater financial flexibility
  • Helps avoid building credit card debt
  • Repayment customized based on your business's unique needs
  • Funds available right as you need them; apply once then use again as needed thereafter
  • Revolving credit — as principal is repaid, more becomes available for use
  • Only pay interest on the part that's used
  • Local decision-making and processing
  • Attentive, friendly service from start to finish
Equipment Loans

Give your business what it needs to succeed. An equipment loan from F&M will keep you ahead of the competition, while preserving your working capital.

  • Finance new or used equipment
  • Available to businesses in a range of industries
  • Avoid costly lapses in production
  • Meet needs without cutting into working capital or savings
  • Stay ahead of the competition
  • Competitive rates with accommodating repayment terms
  • Local decision-making and processing
  • Attentive, friendly service from start to finish