F & M Bank and Trust Company
SBA 7(a) Lending Profile · FY 2021 analysis
Industry Focus
Top industries served by F & M Bank and Trust Company
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 323111 | Commercial Gravure Printing | 8 | $990K | $124K | 25.0% |
| 339999 | All Other Miscellaneous Manufacturing | 8 | $5.0M | $628K | 25.0% |
| 339113 | Surgical Appliance and Supplies Manufacturing | 8 | $7.1M | $885K | 25.0% |
| 541110 | Offices of Lawyers | 8 | $390K | $49K | 25.0% |
Geographic Distribution
SBA lending activity for F & M Bank and Trust Company by state
| State | Loans | Volume | Share |
|---|---|---|---|
| Georgia (GA) | 24 | $8.5M | 75.0% |
| North Carolina (NC) | 8 | $5.0M | 25.0% |
Why Choose F & M Bank and Trust Company?
Based on SBA 7(a) lending track record from 2020-2025
- ✓Proven Track Record: 32 SBA loans approved, totaling $13.5M in financing
- ✓Industry Expertise: Specialized focus on Commercial Gravure Printing, All Other Miscellaneous Manufacturing, Surgical Appliance and Supplies Manufacturing
- ✓Competitive Terms: Average interest rate of 6.56% with flexible term lengths averaging 165 months
- ✓Loan Range: Loan sizes from $49K to $885K, with an average of $421K
- ✓Nationwide Reach: Active lending in 2 states, with strong presence in GA, NC
Note: Approval and terms are subject to SBA and lender requirements. This profile is based on historical data and does not guarantee future lending decisions.
Frequently Asked Questions
Common questions about F & M Bank and Trust Company SBA lending
What types of businesses does F & M Bank and Trust Company typically finance?
F & M Bank and Trust Company specializes in SBA 7(a) lending to specific industries including commercial gravure printing, all other miscellaneous manufacturing, surgical appliance and supplies manufacturing, offices of lawyers. They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are F & M Bank and Trust Company's typical SBA loan terms?
F & M Bank and Trust Company's SBA 7(a) loans typically feature an average interest rate of 6.56% and average term length of 165 months (approximately 14 years). Loan sizes range from $49K to $885K, with an average loan size of $421K.
Do I need a business valuation for a F & M Bank and Trust Company SBA loan?
Yes, F & M Bank and Trust Company typically requires a professional business valuation for SBA loans over $250,000 or for change-of-ownership transactions. A certified valuation helps establish the purchase price, loan amount, and ensures SBA compliance. The valuation typically costs $5,000-$15,000 depending on business complexity.
How does F & M Bank and Trust Company compare to other SBA lenders?
F & M Bank and Trust Company has originated 32 SBA loans totaling $13.5M since 2020. They distinguish themselves through industry specialization and expertise in their focus sectors. Compare their rates and terms with other lenders in our Commercial Lending Directory.
What states does F & M Bank and Trust Company lend in?
F & M Bank and Trust Company provides SBA 7(a) financing with particularly strong presence in GA, NC. Based on their lending history, they have experience with diverse state-specific business regulations and licensing requirements.
Research Your Target Industry Before Applying
Before applying for SBA financing, research your industry's typical loan sizes, approval rates, and specialized lenders. Understanding industry-specific financing patterns can help you find the right lender and strengthen your application.
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