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Business Loans

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Loans To Improve your Business

F & M Community Bank works with businesses of all sizes to provide loans for a variety of situations. From lines of credit to help you in times when your cash flow fluctuates, to loans that help small businesses overcome startup costs, we’re here to be your lender. When you work with us, you’re always working with someone in one of our local offices. All decisions are made by our lenders, and we’re ready to answer all your questions.

Operating Lines of Credit

A revolving line of credit is useful to help fund everyday operations for your business. You draw on the credit as needed, and you only pay interest on the part that’s used. As you pay back the principle, more credit becomes available to you. Operating lines of credit are ideal for:

  • Purchasing inventory
  • Managing accounts receivable
  • Capitalizing on trade discounts
  • Working capital
  • Making ongoing updates for your business

SBA Loans

Loans from the Small Business Administration (SBA) are government certified to help businesses with financing needs. SBA loans typically feature lower down payment requirements and longer terms to give you more flexibility as you pay back the loan. SBA Loans can be used to finance:

  • Commercial real estate purchase
  • Construction projects
  • Business acquisition or expansion
  • Equipment and inventory purchases
  • Working capital

F & M Community Bank partners with the SBA to offer 504 and 7a loans.

Learn More About SBA 504 Loans

Learn More About SBA 7a Loans

Business Real Estate Loans

Maybe your business has outgrown its current space. Or, maybe you’re looking to add more property for your farmland. Whatever your reason for expansion, F & M Community Bank will work with you to create a real estate loan that offers competitive rates and customized terms to fit what you need. Because “We Make Banking Easy,” you’ll work with our staff throughout the entire lending process. We work directly with you, and all decisions regarding your loan are made in one of our local offices by our lenders who know what business owners and farmers in Southeastern Minnesota need.

How You Can Use Your Real Estate Loan

The real estate loans we offer can be used to:

  • Purchase owner-occupied or investment property
  • Refinance a current loan
  • Build a new property on commercial or farmland

Each real estate loan begins with a conversation with a member of our lending team. Stop in at one of our offices to speak with a loan officer about your lending needs.

Apply for a Business Loan

We can help businesses of any size. To start the process of applying for a small business loan, please contact us. A member of our lending team will reach out to you to gather more information and set up an appointment.

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