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Business Finance

  • Breakeven Analysis
    Find out how many and what price you must sell your product at to make a profit.
  • Business Debt Consolidation Calculator
    Should your business consolidate its debt? Use this calculator to find out.
  • Business Valuation - Discounted Cash Flow
    This tool calculates a business valuation based upon the discounted cash flow methodology - illustrating how changes in projected growth rates and capital assumptions impact the business Net Present Value.
  • Cash Flow Calculator
    Having adequate cash flow is essential to keep your business running. Use this calculator to help you determine the cash flow generated by your business. 
  • Commercial Loan Calculator
    Use this calculator to estimate your debt service coverage with a new loan. If your debt service coverage is high enough, including your new loan payment, you have a good chance of being approved.
  • Debt Service Coverage
    This tool calculates debt service and illustrates how debt service coverage ratios are impacted by changing income and capital assumptions.
  • Equipment Buy vs. Lease
    Should you lease your equipment or finance it? Find out with this calculator!
  • Financial Ratios
    This calculator helps you to zero in on areas of your business that may need attention. Areas such as solvency, liquidity, operational efficiency and profitability.
  • Inventory Analysis
    Use this calculator to determine how much inventory you should hold, and efficient timing of your inventory orders. 
  • Profit Margin Calculator
    This calculator can help you determine the selling price for your products to achieve a desired profit margin. 
  • Working Capital Needs
    Working capital is essential to running your business. This calculator assists you in determining your working capital needs for the next year. 
All F&M Bank Certificates of Deposit are subject to penalties for early withdrawal.
Money Market accounts are limited to six withdrawals or transfers to another account of yours or to a third party by means of a preauthorized or automatic transfer or telephone order or instruction, computer transfer, or by check, draft, debit card or similar order to a third party. Exceeding these limitations may result in transfer of your account to one that pays no interest. A separate application and agreement are required for an ATM card, Online Banking, and Bill Pay privileges. Other transaction limitations or account fees may apply. Refer to the account agreements for details.
Applications limited to California residents only. Credit card applicant(s) require a personal deposit account relationship with F&M. All credit card programs require credit approval. Full details about these programs are provided when you apply and additional information is provided when you become a cardholder. Coverage is underwritten and administered by companies affiliated with Visa USA Inc. Certain coverage conditions, restrictions, limitations and exclusions apply.
Home equity lines of credit are available for both primary residence and second home locations. The plan has a variable rate feature. The index is the prime rate as published in the Wall Street Journal with a minimum floor rate of 4.750%. Maximum combined loan to value is 55.00% with line amounts available up to $500,000. All loans require credit approval. Terms and conditions may vary. Consult your tax advisor regarding deductibility of interest.
All loans require credit approval. Terms and conditions may vary.
Please be advised that without the loan number and signature, there may be a delay in processing your request.
All loans require a separate application and credit approval.
Business interest on checking accounts is available to sole proprietors and non-profit entities only. Other transaction or account fees may apply. Refer to the account agreements for details.
Savings accounts are limited to six pre-arranged withdrawals per statement cycle. Other transaction limitations or account fees may apply. Refer to the account agreements for details.
Credit card applicant(s) require a business deposit account relationship with F&M.  All credit card programs require credit approval.  Full program details are provided when you apply and additional information is provided when you become a cardholder. Coverage is underwritten and administered by companies affiliated with Visa USA Inc. Certain coverage conditions, restrictions, limitations and exclusions apply.
All loans are subject to credit approval.
Online Banking requires a Business Checking account. A separate application and agreement are required for Online Banking, Cash Management Services, or Bill Pay privileges. Other transaction or account fees may apply. Refer to the account agreements for details.
Savings accounts are limited to six pre-arranged withdrawals per statement cycle. A separate application and agreement are required for Online Banking and Bill Pay privileges. Transactions initiated between the hours of 3:00 PM and 12:00 AM PST on weekends or holidays will be processed the next business day. Other transaction limitations or account fees may apply. Refer to the account agreements for details.
Online Banking requires a Business or Personal account with F&M Bank. A separate application and agreement are required for Online Banking, Cash Management, and Bill Pay services. Transfers between accounts will be processed immediately if requested by 6pm. All other transactions initiated between the hours of 3:00 PM and 12:00 AM PST on weekends or holidays will be processed the next business day. Other transaction limitations or account fees may apply. Refer to the account agreements for details.
Some exclusions may apply.
The following Privacy Notice applies to Farmers & Merchants Bank customers only.
Since email is not a secure method of communication, please do not send any sensitive information (e.g. Social Security or account numbers) via email. If you need to include sensitive information in your communication to us, please contact us by phone.
Subject to credit approval, certain restrictions and limitations may apply.
No Closing Costs to the consumer for lines of $250,000.00 or less on refinance transactions. Loan amounts over $250,000.00 and all purchase transactions, third party or related origination costs to be paid by Borrower.