We make sure your business is working for you,
even if it means more work for us.

As a bank that measures relationships in generations, we know our job doesn’t end when you sign the papers.
Whether you are starting a new business or want to expand, we’re here to help you choose the right loan,
and stay around to make sure it performs.

LOAN SPECIALTIES

  • Lines of Credit
  • Commercial real estate
  • Residential and commercial construction
  • Equipment loans
  • Business vehicle loans

MEET OUR LENDING TEAMS

Monticello
Tallahassee
Thomasville

Grow your business in minutes with FMB’s Business Minute Lender. In order to apply, you must have held an FMB business checking account for at least six months, be registered for online banking, and have an email address. The loan is based on your deposit relationship with FMB and your credit information. Once approved, funds will be available in your account in three days or less.

NO NEED TO GO TO THE BANK! APPLY NOW


CARD SERVICES

BUSINESS CREDIT CARDS
A credit card by MasterCard® designed for your needs and business. Business Credit Cards offer exclusive savings, and you can earn cash back or rewards every month by just using your card.

BUSINESS PLATINUM
Payback or Preferred
  • No annual fee
  • Earn cash back (Payback card)
  • Earn points (Preferred card)
  • Online access
  • Security services
  • Travel assistance services
BUSINESS WORLD
  • Earn 1% cash back or points
  • Points carry a higher reward value
  • No foreign transaction fee
  • Online access
  • Security services
  • Travel assistance services
BUSINESS WORLD ELITE
  • Earn 1% cash back or points
  • Points carry a higher reward value of World card
  • Annual statement credit for airline related fees
  • No foreign transaction fee
  • Online access
  • Security services
  • Enhanced travel assistance services

Elavon

To ensure FMB customers are provided the best quality of merchant card services, we have partnered with Elavon. They offer the latest in secure user-friendly payment processing technologies for your business. They will help you provide the best payment processing system for your business, whether that is a traditional brick and mortar, phone, or tablet.

Solutions Elavon offers your business:

  • In-person, online, and mobile payment
  • Smart terminals, chip card/EMV terminals, and tablet point-of-sale systems
  • E-commerce and online shopping cart
  • Loyalty and gift card programs to market, grow, and retain your customers’ business
  • Accept mobile wallet payments including Apple Pay™ and Android Pay™
  • Next day business funding

Contact your FMB Banker for more information on Elavon.


Preferred Payroll

FMB is proud to partner with Preferred Payroll’s easy-to-use comprehensive database , Employer On Demand, to manage employee payroll needs. They customize tracking PTO time, pre-tax deductions to employee wage garnishment to cater to your specific needs.

Preferred Payroll’s robust platform allows seamless integration with timekeeping products and boasts a user friendly interface making entering payroll hours quick and easy. Their report wizard has a variety of useful reports that are easy to understand and accessible. In addition, you may access payroll information 24/7 electronically and manage Electronic Federal Tax Payment System (EFTPS) IRS payments and file tax returns.

Contact your FMB Banker for more information on Preferred Payroll.


New Regulation Requirements Governing Legal Entities on Account Openings and Loans