Business Loans

Small business, big dreams.

When you’re thinking about the next big step for your small business, it’s good to know that there are a range of lending options that may be just what you need to get moving. Everything from credit cards and lines of credit to commercial loans and mortgages. Even better, you can count on M&F Bank to clearly explain all of your alternatives, and help you choose the best ones for you.

Smart Money Habits Course

Obtaining Financing and Funding for Your Small Business

Like many business decisions you have to make, when and how you fund your business depends on several factors. They include the amount of money you need, how you plan to use it, and how much you’re willing to pay for the cash. Learn how to find the right financing and funding sources for your small business.

Small Business Lending Options

SBA Loans

Ever since we opened our doors, M&F Bank has been committed to helping small businesses reach their dreams and aspirations. As a Small Business Administration lender, we provide many loan options to help you meet your goals. M&F Bank’s SBA loans feature low down payments, affordable financing, longer repayment terms and fewer collateral requirements.

Plus, with our dedicated and experienced team of local bankers and our SBA loans backed by the federal government, you’ll have peace of mind knowing that your business is in just the right hands.

Commercial Mortgage Loans

M&F Bank is a commercial mortgage lender and provides competitive pricing on a wide variety of commercial property mortgage products for owner occupied and investment properties. Our team of experienced bankers offer industry knowledge and market area expertise, and can help structure a loan that meets your needs.

Business Equipment Loans

From heavy duty to general purpose, the equipment that you work with can be what helps keep your business competitive. Whether you are purchasing, replacing, repairing, or upgrading– M&F has options to fit your needs.

Business Lines of Credit

Your business needs to keep running even when the unpredictable happens. A small business line of credit gives you the flexibility and convenience of being able to access cash quickly for any business purpose. Repay and reuse your line of credit as needed. Whether you need to cover inventory or payroll, the power is at your fingertips.

Business Credit Cards

With our MasterCard credit card you get hometown convenience, worldwide acceptance, great benefits and much more. Choose the card best suited for your needs and apply today.

Ready to get started?

Here’s what you will need:

Balance Sheet (Last 3 years; interim to last 90 days)

Income Statement (Last 3 years; interim to last 90 days)

Federal Tax Returns (Last 3 years)

Personal Financial Statement (Principals with at least 20% ownership interest and all Guarantors)

Personal Tax Returns (Last Three (3) years on all Principals with at least 20% ownership interest and all Guarantors)

Partner with a bank that cares as much about the success of your business as you do.

Contact a member of your local commercial lending team today.

Smart Money Habits Course

Small Business Financial Statements

What do income statements, balance sheets, and cash flow statements have in common? They all provide you with important insights to the financial health of your business. Discover how to use these tools to help your business thrive.

You may also be interested in:

Business Savings and Investments

Business Checking Accounts

Treasury Managment Services

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