Operating Loans

Farmers need an operating loan that is designed to fund the way you produce and market. F&M Bank & Trust understands that your needs can change and our team can help you.

With a variety of terms and products for operations of virtually any size, farm operating loans give you access to cash when you need it and the added benefit of tax-deductible interest.


A revolving line of credit lasts one or multiple years and lets you borrow money from your operating loan account repeatedly as you pay back the balance that you owe. Use online banking, drafts or Automated Clearing House (ACH) transfer to access your operating loan funds.


A non-revolving line of credit is a one-time-use loan that provides a set limit of funds to borrow as you need them. The line of credit typically lasts for one year and is a one-time- use loan.

Meet the Ag Loan Team and schedule an appointment today.