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.

As your community bank, FMB offers loans specific to all of your business needs.

Lines of Credit

A line of credit may be the right decision for your business when you’re expanding, in need of working capital, accounts receivable, or managing inventory. This option allows your business to control daily or seasonal... demands and may be the most cost-effective option.

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Term Loans

FMB offers a variety of term loans to help your business purchase capital goods and equipment, fund ownership change, and/or consolidate debt. Our lenders’ expertise will help structure your business loan by... evaluating debt obligations, as well as assessing your cash flow.

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  • Acquire machinery, equipment or other assets with fixed monthly payments
  • Increase working capital to help grow and expand your business
  • Strengthen your competitive edge by obtaining the equipment and assets you need to compete and operate more effectively

Commercial Real Estate

Our commercial lending team has the expertise to help execute your next big endeavor. We have the answers to your questions and concerns for today... , tomorrow, and the future.

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  • Acquisition financing
  • Construction & improvement loans
  • Refinance loans

Small Business Loans

This may be the right option if you run a small business which requires easy access to cash over short periods of time or during peak seasons. A small business loan allows... you to access working capital for your business and is also perfect for purchasing inventory or managing seasonal cash fluctuations.

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Residential & Commercial Construction

Looking to expand your facility? You deserve a bank that understands your business’ needs and offers various options to subsidize the construction of commercial and... residential properties.

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Equipment Loans

Whether your needs are for a small office, manufacturing plant or medical office, FMB has the financing to help you carry out your company’s vision.

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  • Office equipment
  • Machinery
  • Business vehicle loans

Agriculture Loans

FMB is committed to North Florida and South Georgia’s agriculture community. We offer knowledge, experienced advice, and banking services to support your... diverse agriculture needs.

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  • Operating lines of credit and crop loans
  • Equipment loans – upgrade or replace equipment
  • Farm mortgage and real estate loans for purchasing/refinancing acreage
  • Construction loans for buildings
  • Letters of credit

Non profits & religious organizations

Your vision matters to us. Whether you are a non-profit or a religious organization in need of funding for a new building or project, our team is committed to take you one... step closer to accomplishing your mission.

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Institutional Loans

Banking with FMB makes sense! Our bankers know the community and we will help you facilitate your next project. We will work with you and your team to offer the... financing solutions and options essential and specific to state, local government entities, and education e.g. road projects, upgrade electrical system, tax anticipation notes, etc.

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Meet our lending teams:


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


New Regulation Requirements Governing Legal Entities on Account Openings and Loans