Commercial & Agricultural Loan Solutions
F&M provides Tennessee businesses with access to the funds they need to grow and thrive. Whether it’s a business loan, an agricultural line of credit, or a credit card, we have flexible financing options to fit your business needs.
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Business Real Estate
At F&M, we share your vision for growth. As a local bank, our loan officers know your community and your market. Since lending decisions are made right here in Tennessee, you get faster approvals and fewer delays.
Construction Loans
F&M offers a range of loan options focused on helping support our growing communities. Stop by any branch to find the solution that works best for you.
- Development Loans
- Construction Lines of Credit
- Mortgage Services
Equipment
When running a business, the right tools are essential, but paying for it all up front can put a strain on cash flow. F&M offers equipment financing for businesses across Tennessee, including agriculture, construction, manufacturing, packaging, printing, and more.
Commercial & Agricultural Lines of Credit
Every business needs flexible access to cash. This smart option keeps operations running smoothly through bumps in the road. No lump sum to repay, no penalty for paying off your balance early, and no obligation to use funds you don’t need.
Business Credit Cards
Spend smarter, wherever business takes you.
The right business credit card does more than handle expenses, it keeps your team equipped to spend confidently. F&M has options to fit every need — low rate, cash back, or flexible rewards — so you can find the right fit and get back to running your business.
All F&M business credit cards include:
- Free online expense reporting tools
- No fee for additional employee cards
- Mobile wallet compatibility
- Zero Fraud Liability* for lost or stolen cards
- 24/7 cardmember support
View our Featured Credit Cards
*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.
Ready to take the next step?
Our local lenders are here to help you find the right financing for your business.