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Business Loans

F&M Bank provides businesses in Tennessee with access to the funds they need to operate. Whether it’s a business loan, a line of credit, or a credit card, we have multiple financing options to fit your business needs.

Apply For a Loan


Real Estate and Property

F&M shares your visions of growth and progress, and our loan officers are in a unique position to understand your company and your market. Because you need to move quickly in business, we'll cut through the red tape and provide FAST approvals for your business line of credit or loan requests.

Loan Services

For information regarding the SBA Paycheck Protection Program, visit our Alerts Page.

When you’re working with F&M Bank commercial lenders, you’re working with a lender who can help you design your business loan with terms that make sense for your company and business spend:

  • Real Estate Loans and Facility Loans
  • Commercial Property Acquisition and Development
  • Facility Construction/Expansion
  • Residential Development and Construction
  • Equipment Loans
  • Working Capital Loans
  • Agriculture Lending
  • Lines of Credit
  • Business Credit Cards – For one or multiple card holders

Find out how good our personal service can be by calling any loan officer ... visiting a local office... or by contacting F&M Bank. We can assist you with your loan applications, applications for small business credit cards, and much more!

Residential Development & Construction Loans

F&M Bank offers different business savings account options to help businesses earn competitive interest. You’ll need to maintain a minimum balance in your account, but the interest-bearing benefits will help your earnings grow significantly.

  • Development Loans
  • Construction Lines of Credit – For custom and speculative construction
  • Mortgage Services – We provide your homebuyers with a seamless transition to permanent financing ... meaning faster money in your pocket


Doing business takes the right equipment and that can be a huge burden to pay all at once. F&M Bank offers financing to help all types of businesses have access to the specialized equipment they need to operate.

We offer financing solutions for the needs of many industries in Tennessee like construction, manufacturing, packaging, printing, and much more!

Business Line of Credit

Businesses need the flexibility of access to cash on demand. Having a business line of credit allows businesses to use what they need and only pay interest on that amount. Buying inventory can be expensive and it may take a little time to make the money with profits back. Surprise expenses happen too, and a credit line can keep a business operating through the bumps in the road.

With a business line of credit, it is not one lump sum paid all at once that will need to be paid back. A business can use what it needs and pay monthly payments on that amount. There are no penalties for repaying the full balance early.

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 which 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    Apply Now

*Elan Financial Services provides zero fraud liability for unauthorized transactions. Cardholder must notify Elan Financial Services promptly of any unauthorized use. Certain conditions and limitations 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.

Business Loan Application

If your business could benefit from a loan, we have various products to suit your needs. Fill out an application to begin getting the financing solutions you need.

Loan Application

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Call us 800-645-4199

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