Founded in Long Beach in 1907 by C.J. Walker, Farmers & Merchants Bank provides white-glove service to clients in offices from San Clemente to Santa Barbara. Four generations of family management have honed a foundation of values – honesty, integrity, the home, the church and service above self – that set F&M apart from other banks today. F&M Bank offers commercial and small business banking, treasury management services, commercial lending, online & mobile banking, personal checking and savings accounts, and other products.


Most commercial real estate lenders have pre-defined programs that clients must fit into. At F&M Bank, there is no “box.” The bank’s philosophy is to adapt to the needs of the client in order to develop the best possible financing solution. F&M Bank’s lenders are flexible, nimble, transparent, and committed to delivering on clients’ needs.

F&M Bank specializes in the following commercial real estate loan types:
• Permanent Loan: Financing obtained on a commercial property that includes some amortization.
• Bridge Loan: Short-term financing provided during the renovation period that converts to a permanent loan.
• Renovation Loan: Financing to modernize, repair, or otherwise improve an existing commercial structure.
• Construction Loan: Financing obtained for ground up construction.
• Master Loan Agreement: A revolving line of credit enabling borrowers to acquire multiple properties while reducing the time required to create individual loans and documentation.


Within each F&M Branch Office, there is a dedicated three-person team who manages the lending relationship. An F&M Relationship Manager, a Portfolio Banker, and a Loan Specialist are dedicated to answering each client’s questions from structuring the deal to the final pay-off of the client’s note.


• No prepayment penalties
• Competitive Rates & Terms
• Fixed & Adjustable Rates
• Flexible Amortization Schedules
• Cash Out Refinances Allowed
• Incentivized Rates for Faster Amortization

The client experience with F&M is different because the business is designed around the client’s needs. It is a rarity today to find Relationship Managers who have their office within a bank branch, like F&M’s Relationship Managers. From on-site decision making, to a credit administration team that works as diligently as the relationship managers, F&M can operate quickly to develop a solution for industrial, retail, office, or even those special, unique situations.

Farmers & Merchants Bank is a regional bank with deposits insured by the Federal Deposit Insurance Corporation (Member FDIC) and is an Equal Housing Lender. All loans are subject to credit approval.

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F&M Bank’s CRE expertise also comes from 114 years of personal experience buying land to build new Branch Offices from the ground up and renovating existing office space. F&M Bank owns more than 75% of its Branch Office locations, demonstrating its long-term committment to the communities it serves. F&M’s most recent acquisition and renovation is a six-story building on the corner of Lakewood and Del Amo in the city of Lakewood. F&M purchased the building, completed a multi-million dollar renovation, and opened for business on Monday, July 12, 2021.

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