Business person opening their business.

Business Loans

We take the time to understand your business, regardless of its size.

At First Farmers & Merchants, we understand that every business is unique. Our knowledgeable lenders will work with you to develop a financing solution that is tailored to your specific business needs. 

  • Lines of credit provide businesses with cash for short-term financing needs, such as financing of accounts receivable, inventory purchases, seasonal working capital needs, and funds to take advantage of trade discounts.
  • Revolving lines of credit provide flexibility to pay down and re-advance funds as needed.

Term loans have a set term and repayment schedule. They are often used to finance the following types of purchases:

  • Purchase new and used equipment, machinery, and vehicles
  • Business acquisitions
  • Permanent working capital 

  • Purchase or refinance commercial real estate (owner-occupied and investment)
  • Construction of new commercial buildings
  • Renovations of existing properties
  • SBA Loans are government-certified loans to help small businesses with financing needs
  • These loans typically feature lower down payment requirements and longer terms
  • SBA Loans can be used to finance many business needs, including real estate purchases, construction projects, business acquisition or expansion, equipment and inventory purchases, and working capital.
To learn more about SBA Loans, contact an FF&M Lender or visit the SBA website:
  • 7(a) Loans: Financing assistance for small businesses
  • 504 Loans:  Long-term, fixed rate financing for major fixed assets