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Business Loans

Small business, big dreams.

Meet with a Lender

Business Loans

Small business,
big dreams.

Meet with a Lender

When you’re thinking about the next big step for your business, it’s good to know that there are a range of financial options to get you moving. 

When you’re thinking about the next big step for your business, it’s good to know that there are a range of financial options to get you moving. 

 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.

SBA Loans

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

Plus, with our dedicated and experienced local support team 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.

See SBA Loans

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.

Lines of Credit

Your business needs to keep running even when the unpredictable happens. A 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.

Commercial Mortgages

M&F Bank is a commercial lender and provides competitive pricing on a wide variety of commercial 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 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.

See Business Credit Cards

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.

Our Lending Team

[dica_divi_carousel show_items_desktop=”3″ arrow_nav=”on” dot_nav=”on” advanced_effect=”1″ arrow_nav_color=”#fe5d1c” arrow_bg_color=”RGBA(255,255,255,0)” dots_color=”#00587c” dots_active_color=”#fe5d1c” align=”center” use_prev_icon=”on” prev_icon=”<||divi||400″ use_next_icon=”on” next_icon=”=||divi||400″ arrow_font_size=”25px” carousel_container_margin=”||||false|false” carousel_container_margin_tablet=”||||false|false” carousel_container_margin_phone=”||||false|false” carousel_container_margin_last_edited=”on|phone” image_container_margin=”15px||30px||false|false” image_container_padding=”||||false|false” image_padding=”||||false|false” content_container_margin=”||||false|false” content_container_padding=”||||false|false” disabled_on=”on|on|off” _builder_version=”4.18.0″ _module_preset=”default” custom_margin=”30px||||false|false” hover_enabled=”0″ border_radii_image=”on|300px|300px|300px|300px” global_colors_info=”{}” sticky_enabled=”0″][dica_divi_carouselitem title=”Soberina Traywick” sub_title=”Triangle Area” button_text=”Meet with Soberina” button_url=”https://calendly.com/soberina-traywick” button_url_new_window=”1″ image=”/wp-content/uploads/2020/09/SoberinaTraywick-e1660076018758.jpg” _builder_version=”4.18.0″ _module_preset=”default” title_font=”Avenir Next Bold|700|||||||” title_text_align=”center” title_font_size=”20px” subtitle_font=”Avenir Next Regular|700|||||||” subtitle_text_align=”center” subtitle_text_color=”#00587c” subtitle_font_size=”18px” body_font=”Avenir Next Regular||||||||” body_text_color=”#00587c” custom_button=”on” button_text_size=”18px” button_text_color=”#FFFFFF” button_bg_color=”#00587c” button_border_radius=”6px” button_font=”Avenir Next Regular||||||||” button_alignment=”center” hover_enabled=”0″ title_font_size_tablet=”16px” title_font_size_phone=”16px” title_font_size_last_edited=”on|phone” subtitle_font_size_tablet=”16px” subtitle_font_size_phone=”14px” subtitle_font_size_last_edited=”on|phone” button_text_size_tablet=”16px” button_text_size_phone=”14px” button_text_size_last_edited=”on|phone” global_colors_info=”{}” body_line_height=”1.6em” sticky_enabled=”0″]

Triangle Team Leader

[/dica_divi_carouselitem][dica_divi_carouselitem title=”Daniel Bellamy” sub_title=”Durham Area” button_text=”Meet with Daniel” button_url=”https://calendly.com/daniel-bellamy” button_url_new_window=”1″ image=”/wp-content/uploads/2020/09/db-1-e1660075891107.jpg” _builder_version=”4.18.0″ _module_preset=”default” title_font=”Avenir Next Bold|700|||||||” title_text_align=”center” title_font_size=”20px” subtitle_font=”Avenir Next Regular|700|||||||” subtitle_text_align=”center” subtitle_text_color=”#00587c” subtitle_font_size=”18px” body_font=”Avenir Next Regular||||||||” body_text_color=”#00587c” custom_button=”on” button_text_size=”18px” button_text_color=”#FFFFFF” button_bg_color=”#00587c” button_border_radius=”6px” button_alignment=”center” hover_enabled=”0″ title_font_size_tablet=”16px” title_font_size_phone=”14px” title_font_size_last_edited=”on|tablet” subtitle_font_size_tablet=”16px” subtitle_font_size_phone=”14px” subtitle_font_size_last_edited=”on|phone” button_text_size_tablet=”16px” button_text_size_phone=”14px” button_text_size_last_edited=”on|tablet” global_colors_info=”{}” body_line_height=”1.6em” sticky_enabled=”0″]

Relationship Manager

[/dica_divi_carouselitem][dica_divi_carouselitem title=”Evelyn Acree” sub_title=”Winston-Salem Area” button_text=”Meet with Evelyn” button_url=”http://calendly.com/evelyn-acree” button_url_new_window=”1″ image=”/wp-content/uploads/2020/09/ea-e1660076093198.jpg” _builder_version=”4.17.4″ _module_preset=”default” title_font=”Avenir Next Bold|700|||||||” title_text_align=”center” title_font_size=”20px” subtitle_font=”Avenir Next Regular|700|||||||” subtitle_text_align=”center” subtitle_text_color=”#00587c” subtitle_font_size=”18px” body_font=”Avenir Next Regular||||||||” body_text_color=”#00587c” body_line_height=”1.3em” custom_button=”on” button_text_size=”18px” button_text_color=”#FFFFFF” button_bg_color=”#00587c” button_border_radius=”6px” button_font=”Avenir Next Regular||||||||” button_alignment=”center” title_font_size_tablet=”16px” title_font_size_phone=”16px” title_font_size_last_edited=”on|phone” subtitle_font_size_tablet=”16px” subtitle_font_size_phone=”14px” subtitle_font_size_last_edited=”on|phone” button_text_size_tablet=”14px” button_text_size_phone=”14px” button_text_size_last_edited=”on|phone” global_colors_info=”{}”]

Relationship Manager

[/dica_divi_carouselitem][dica_divi_carouselitem title=”Damien Gorham” sub_title=”Greensboro Area” button_text=”Meet with Damien” button_url=”http://calendly.com/damien-gorham” button_url_new_window=”1″ image=”/wp-content/uploads/2022/08/gorham-e1660315549895.jpg” _builder_version=”4.17.4″ _module_preset=”default” title_font=”Avenir Next Bold|700|||||||” title_text_align=”center” title_font_size=”20px” subtitle_font=”Avenir Next Regular|700|||||||” subtitle_text_align=”center” subtitle_text_color=”#00587c” subtitle_font_size=”18px” body_font=”Avenir Next Regular||||||||” body_text_color=”#00587c” body_line_height=”1.3em” custom_button=”on” button_text_size=”18px” button_text_color=”#FFFFFF” button_bg_color=”#00587c” button_border_radius=”6px” button_font=”Avenir Next Regular||||||||” button_alignment=”center” title_font_size_tablet=”18px” title_font_size_phone=”16px” title_font_size_last_edited=”on|phone” subtitle_font_size_tablet=”16px” subtitle_font_size_phone=”14px” subtitle_font_size_last_edited=”on|phone” button_text_size_tablet=”14px” button_text_size_phone=”14px” button_text_size_last_edited=”on|desktop” global_colors_info=”{}”]

Relationship Manager

[/dica_divi_carouselitem][dica_divi_carouselitem title=”Eric Powell” sub_title=”Durham Area” button_text=”Meet with Eric” button_url=”https://calendly.com/eric-powell-2″ button_url_new_window=”1″ image=”/wp-content/uploads/2022/07/Ericv2-e1661288684298.jpg” _builder_version=”4.18.0″ _module_preset=”default” title_font=”Avenir Next Bold|700|||||||” title_text_align=”center” title_font_size=”20px” subtitle_font=”Avenir Next Regular|700|||||||” subtitle_text_align=”center” subtitle_text_color=”#00587c” subtitle_font_size=”18px” body_font=”Avenir Next Regular||||||||” body_text_color=”#00587c” body_line_height=”1.3em” custom_button=”on” button_text_size=”18px” button_text_color=”#FFFFFF” button_bg_color=”#00587c” button_border_radius=”6px” button_font=”Avenir Next Regular||||||||” button_alignment=”center” title_font_size_tablet=”18px” title_font_size_phone=”16px” title_font_size_last_edited=”on|phone” subtitle_font_size_tablet=”16px” subtitle_font_size_phone=”14px” subtitle_font_size_last_edited=”on|phone” button_text_size_tablet=”14px” button_text_size_phone=”14px” button_text_size_last_edited=”on|desktop” global_colors_info=”{}”]

Relationship Manager

[/dica_divi_carouselitem][dica_divi_carouselitem title=”Lorenzo Hardy” sub_title=”Charlotte Area” button_text=”Meet with Lorenzo” button_url=”https://calendly.com/lorenzo-hardy” button_url_new_window=”1″ image=”/wp-content/uploads/2022/10/20220926_104648-e1665763738144.jpg” button_margin=”-40px||||false|false” custom_margin=”-10px||||false|false” _builder_version=”4.18.0″ _module_preset=”default” title_font=”Avenir Next Bold|700|||||||” title_text_align=”center” title_font_size=”20px” subtitle_font=”Avenir Next Regular|700|||||||” subtitle_text_align=”center” subtitle_text_color=”#00587c” subtitle_font_size=”18px” body_font=”Avenir Next Regular||||||||” body_text_color=”#00587c” body_line_height=”1.3em” custom_button=”on” button_text_size=”18px” button_text_color=”#FFFFFF” button_bg_color=”#00587c” button_border_radius=”6px” button_font=”Avenir Next Regular||||||||” button_alignment=”center” title_font_size_tablet=”18px” title_font_size_phone=”16px” title_font_size_last_edited=”on|phone” subtitle_font_size_tablet=”16px” subtitle_font_size_phone=”14px” subtitle_font_size_last_edited=”on|phone” button_text_size_tablet=”14px” button_text_size_phone=”14px” button_text_size_last_edited=”on|desktop” global_colors_info=”{}”]

Senior Commercial Banker

[/dica_divi_carouselitem][/dica_divi_carousel]

SBA Loans

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

Plus, with our dedicated and experienced local support team 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.

See SBA Loans

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.

Lines of Credit

Your business needs to keep running even when the unpredictable happens. A 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.

Commercial Mortgages

M&F Bank is a commercial lender and provides competitive pricing on a wide variety of commercial 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 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.

See Business Credit Cards

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.

Our Lending Team

[dica_divi_carousel show_items_desktop=”3″ arrow_nav=”on” dot_nav=”on” advanced_effect=”1″ arrow_nav_color=”#fe5d1c” arrow_bg_color=”RGBA(255,255,255,0)” dots_color=”#00587c” dots_active_color=”#fe5d1c” align=”center” use_prev_icon=”on” prev_icon=”<||divi||400″ use_next_icon=”on” next_icon=”=||divi||400″ arrow_font_size=”25px” carousel_container_margin=”||||false|false” carousel_container_margin_tablet=”||||false|false” carousel_container_margin_phone=”||||false|false” carousel_container_margin_last_edited=”on|phone” image_container_margin=”15px||30px||false|false” image_container_padding=”||||false|false” image_padding=”||||false|false” content_container_margin=”||||false|false” content_container_padding=”||||false|false” disabled_on=”off|off|on” _builder_version=”4.18.0″ _module_preset=”default” custom_margin=”30px||||false|false” border_radii_image=”on|300px|300px|300px|300px” global_colors_info=”{}”][dica_divi_carouselitem title=”Soberina Traywick” sub_title=”Triangle Area” button_text=”Meet with Soberina” button_url=”https://calendly.com/soberina-traywick” button_url_new_window=”1″ image=”/wp-content/uploads/2020/09/SoberinaTraywick-e1660076018758.jpg” _builder_version=”4.18.0″ _module_preset=”default” title_font=”Avenir Next Bold|700|||||||” title_text_align=”center” title_font_size=”20px” title_line_height=”1.3em” subtitle_font=”Avenir Next Regular|700|||||||” subtitle_text_align=”center” subtitle_text_color=”#00587c” subtitle_font_size=”18px” subtitle_line_height=”1.3em” body_font=”Avenir Next Regular||||||||” body_text_color=”#00587c” body_line_height=”1.6em” custom_button=”on” button_text_size=”18px” button_text_color=”#FFFFFF” button_bg_color=”#00587c” button_border_radius=”6px” button_font=”Avenir Next Regular||||||||” button_alignment=”center” title_font_size_tablet=”16px” title_font_size_phone=”16px” title_font_size_last_edited=”on|tablet” subtitle_font_size_tablet=”16px” subtitle_font_size_phone=”14px” subtitle_font_size_last_edited=”on|phone” button_text_size_tablet=”16px” button_text_size_phone=”14px” button_text_size_last_edited=”on|phone” global_colors_info=”{}”]

Triangle Team Leader

[/dica_divi_carouselitem][dica_divi_carouselitem title=”Daniel Bellamy” sub_title=”Durham Area” button_text=”Meet with Daniel” button_url=”https://calendly.com/daniel-bellamy” button_url_new_window=”1″ image=”/wp-content/uploads/2020/09/db-1-e1660075891107.jpg” _builder_version=”4.18.0″ _module_preset=”default” title_font=”Avenir Next Bold|700|||||||” title_text_align=”center” title_font_size=”20px” title_line_height=”1.3em” subtitle_font=”Avenir Next Regular|700|||||||” subtitle_text_align=”center” subtitle_text_color=”#00587c” subtitle_font_size=”18px” subtitle_line_height=”1.3em” body_font=”Avenir Next Regular||||||||” body_text_color=”#00587c” body_line_height=”1.6em” custom_button=”on” button_text_size=”18px” button_text_color=”#FFFFFF” button_bg_color=”#00587c” button_border_radius=”6px” button_alignment=”center” title_font_size_tablet=”16px” title_font_size_phone=”14px” title_font_size_last_edited=”on|tablet” subtitle_font_size_tablet=”16px” subtitle_font_size_phone=”14px” subtitle_font_size_last_edited=”on|phone” button_text_size_tablet=”16px” button_text_size_phone=”14px” button_text_size_last_edited=”on|tablet” global_colors_info=”{}”]

Relationship Manager

[/dica_divi_carouselitem][dica_divi_carouselitem title=”Evelyn Acree” sub_title=”Winston-Salem Area” button_text=”Meet with Evelyn” button_url=”http://calendly.com/evelyn-acree” button_url_new_window=”1″ image=”/wp-content/uploads/2020/09/ea-e1660076093198.jpg” _builder_version=”4.18.0″ _module_preset=”default” title_font=”Avenir Next Bold|700|||||||” title_text_align=”center” title_font_size=”20px” title_line_height=”1.3em” subtitle_font=”Avenir Next Regular|700|||||||” subtitle_text_align=”center” subtitle_text_color=”#00587c” subtitle_font_size=”18px” subtitle_line_height=”1.3em” body_font=”Avenir Next Regular||||||||” body_text_color=”#00587c” body_line_height=”1.6em” custom_button=”on” button_text_size=”18px” button_text_color=”#FFFFFF” button_bg_color=”#00587c” button_border_radius=”6px” button_font=”Avenir Next Regular||||||||” button_alignment=”center” title_font_size_tablet=”16px” title_font_size_phone=”16px” title_font_size_last_edited=”on|phone” subtitle_font_size_tablet=”16px” subtitle_font_size_phone=”14px” subtitle_font_size_last_edited=”on|phone” button_text_size_tablet=”16px” button_text_size_phone=”14px” button_text_size_last_edited=”on|phone” global_colors_info=”{}”]

Relationship Manager

[/dica_divi_carouselitem][dica_divi_carouselitem title=”Damien Gorham” sub_title=”Greensboro Area” button_text=”Meet with Damien” button_url=”http://calendly.com/damien-gorham” button_url_new_window=”1″ image=”/wp-content/uploads/2022/08/gorham-e1660315549895.jpg” _builder_version=”4.18.0″ _module_preset=”default” title_font=”Avenir Next Bold|700|||||||” title_text_align=”center” title_font_size=”20px” title_line_height=”1.3em” subtitle_font=”Avenir Next Regular|700|||||||” subtitle_text_align=”center” subtitle_text_color=”#00587c” subtitle_font_size=”18px” subtitle_line_height=”1.3em” body_font=”Avenir Next Regular||||||||” body_text_color=”#00587c” body_line_height=”1.6em” custom_button=”on” button_text_size=”18px” button_text_color=”#FFFFFF” button_bg_color=”#00587c” button_border_radius=”6px” button_font=”Avenir Next Regular||||||||” button_alignment=”center” title_font_size_tablet=”18px” title_font_size_phone=”16px” title_font_size_last_edited=”on|phone” subtitle_font_size_tablet=”16px” subtitle_font_size_phone=”14px” subtitle_font_size_last_edited=”on|phone” button_text_size_tablet=”16px” button_text_size_phone=”14px” button_text_size_last_edited=”on|phone” global_colors_info=”{}”]

Relationship Manager

[/dica_divi_carouselitem][dica_divi_carouselitem title=”Eric Powell” sub_title=”Durham Area” button_text=”Meet with Eric” button_url=”https://calendly.com/eric-powell-2″ button_url_new_window=”1″ image=”/wp-content/uploads/2022/07/Ericv2-e1661288684298.jpg” _builder_version=”4.18.0″ _module_preset=”default” title_font=”Avenir Next Bold|700|||||||” title_text_align=”center” title_font_size=”20px” title_line_height=”1.3em” subtitle_font=”Avenir Next Regular|700|||||||” subtitle_text_align=”center” subtitle_text_color=”#00587c” subtitle_font_size=”18px” subtitle_line_height=”1.3em” body_font=”Avenir Next Regular||||||||” body_text_color=”#00587c” body_line_height=”1.6em” custom_button=”on” button_text_size=”18px” button_text_color=”#FFFFFF” button_bg_color=”#00587c” button_border_radius=”6px” button_font=”Avenir Next Regular||||||||” button_alignment=”center” title_font_size_tablet=”18px” title_font_size_phone=”16px” title_font_size_last_edited=”on|phone” subtitle_font_size_tablet=”16px” subtitle_font_size_phone=”14px” subtitle_font_size_last_edited=”on|phone” button_text_size_tablet=”16px” button_text_size_phone=”14px” button_text_size_last_edited=”on|tablet” global_colors_info=”{}”]

Relationship Manager

[/dica_divi_carouselitem][dica_divi_carouselitem title=”Lorenzo Hardy” sub_title=”Charlotte Area” button_text=”Meet with Lorenzo” button_url=”https://calendly.com/lorenzo-hardy” button_url_new_window=”1″ image=”/wp-content/uploads/2022/10/20220926_104648-e1665763738144.jpg” button_margin=”-30px||||false|false” custom_margin=”-10px||||false|false” _builder_version=”4.18.0″ _module_preset=”default” title_font=”Avenir Next Bold|700|||||||” title_text_align=”center” title_font_size=”20px” title_line_height=”1.3em” subtitle_font=”Avenir Next Regular|700|||||||” subtitle_text_align=”center” subtitle_text_color=”#00587c” subtitle_font_size=”18px” subtitle_line_height=”1.3em” body_font=”Avenir Next Regular||||||||” body_text_color=”#00587c” body_line_height=”1.6em” custom_button=”on” button_text_size=”18px” button_text_color=”#FFFFFF” button_bg_color=”#00587c” button_border_radius=”6px” button_font=”Avenir Next Regular||||||||” button_alignment=”center” title_font_size_tablet=”18px” title_font_size_phone=”16px” title_font_size_last_edited=”on|phone” subtitle_font_size_tablet=”16px” subtitle_font_size_phone=”14px” subtitle_font_size_last_edited=”on|phone” button_text_size_tablet=”16px” button_text_size_phone=”14px” button_text_size_last_edited=”on|desktop” global_colors_info=”{}”]

Senior Commercial Banker

[/dica_divi_carouselitem][/dica_divi_carousel]

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