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Woman behind the scenes at brewery.

Amie Baudoin is co-owner with her husband Tommy of the Morgan Ridge Railwalk Brewery & Eatery in Salisbury. Head brewer, Nikki Koontz keeps a keen eye on the creation process of their six unique beer styles served on tap in the background.


Growing your business sometimes requires money you don’t have. F&M Bank can help*. Whether you want to purchase equipment or make improvements to support long-term growth, we can match your needs with the right term loan. Our term loans are available with fixed or variable rates and are tailored to meet your repayment ability.


F&M Bank term loans provide financing for: 

  • Expansion or replacement of physical plant or equipment
  • Construction to Permanent financing
  • Debt restructuring
  • Permanent working capital
  • Leasehold improvements
  • Vehicle financing

*Subject to credit approval

For additional information or to apply for a term loan today, contact an F&M Commercial Banker.