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F & M Bank and Trust Company

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Description

F & M Bank and Trust Company offers comprehensive SBA lending services tailored to small and medium-sized businesses seeking financial support for growth, expansion, or operational needs. With a focus on personalized service, this institution provides SBA 7(a) loans, which are ideal for a variety of business purposes including working capital, equipment purchase, and real estate acquisition. The bank’s experienced team guides clients through the application process, ensuring clarity and efficiency from start to finish. Located at 142 W Main St in Manchester, GA, the bank has built a reputation for supporting local businesses and fostering economic development in the region. Their SBA programs are designed to be flexible, competitive, and accessible, making them a trusted partner for entrepreneurs and established companies alike. Whether you’re a startup or an established enterprise, F & M Bank and Trust Company can help you access the funding you need to succeed.

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Q&A

Lender Type
Commercial Bank
Google Rating
4.3
Google Review Count
12
Question 1
What is this place and what can I find here?
Answer 1
This is a local bank offering SBA lending services and business banking support to help small and medium-sized businesses grow and succeed in the Manchester area.
Question 2
Do I need an appointment or can I walk in?
Answer 2
It"s recommended to schedule an appointment to ensure dedicated time with a banking specialist, but walk-ins are also welcome during business hours.
Question 3
What are the hours of operation?
Answer 3
The bank operates from 9:00 AM to 5:00 PM, Monday through Friday.
Question 4
Is there a fee to use this?
Answer 4
There are no fees for simply visiting or consulting; fees may apply for specific banking services or loan processing.
Question 5
Who is this open to — anyone, or only residents/members?
Answer 5
This bank primarily serves local residents and businesses in the Manchester area, but may also support regional clients seeking SBA loans.
Question 6
What minimum personal credit score does this bank look for in a guarantor?
Answer 6
A minimum personal credit score of 640 or higher is generally preferred for loan qualification.
Question 7
How long does the traditional underwriting process take from start to close?
Answer 7
The underwriting process typically takes between 30 to 60 days, depending on the complexity of the loan and completeness of documentation.
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