Small Business & Government Guaranteed Loans

Small Business & Government Guaranteed Loans

    SBA 7A Loans

    An (SBA) Small Business Administration loan can be made by F&M Bank with a portion of the loan guaranteed by the U.S. government, thus minimizing the risk to the lender and increasing the potential of getting a loan approved.

    Don't let the size of your business dictate your goals. At F&M Bank, we help qualifying small businesses secure the financing that otherwise might be hard to come by. Speak to a commercial account officer about whether or not your business qualifies for a government-backed loan.

    SBA 7A Loans

    • Government-backed lending for qualified small businesses
    • Loan amounts up to $5,000,000
    • Loan to value up to 90%
    • 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:
    • 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 7 years

    Loan terms and rates subject to change.


    Mail Loan Payments


    This information is effective 8/1/14 and subject to change anytime without notice.


    Farmers & Merchants Bank of Central California Member FDIC.


    SBA 504
    • Government-backed lending for qualified small businesses
    • Loan amounts up to $12,000,000
    • Loan to value up to 90%
    • Available for the purpose of:
    • Land and building purchase or construction
    • Long-term equipment
    • Lower down payment than conventional loans
    • Repayment term details:
    • Real estate – up to 25 years
    • Machinery and equipment – up to 10 years

    Loan terms and rates subject to change.


    Mail Loan Payments


    Farmers & Merchants Bank of Central California Member FDIC.

    USDA Loans
    • Government-backed lending for qualified small businesses
    • Loan amounts up to $5,000,000
    • Loan to value up to 80%
    • 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:
    • Real estate – up to 25 years

    Loan terms and rates subject to change.


    Mail Loan Payments


    Farmers & Merchants Bank of Central California Member FDIC.