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A line of credit provides businesses with the flexibility to act when opportunities arise. This essential financial management tool supports your bottom line and provides peace of mind knowing funds are available when you need them*. 


F&M Bank Lines of Credit provide the financing to: 

  • Meet seasonal cash needs
  • Purchase inventory
  • Manage working capital
  • Finance growth opportunities

*Subject to credit approval


Letters of Credit

F&M Bank is proud to stand behind our business customers during important transactions that can make or break their business. We are happy to issue domestic Letters of Credit* as proof of our commitment to you. 


F&M Bank typically provides Letters of Credit for the purpose of: 

  • Guaranteeing payments to suppliers
  • In lieu of payment performance bonds

*Subject to credit approval


For additional information or to apply for a letter or line of credit today, contact an F&M Commercial Banker.