F&M Bank provided $20 Million Renovation Loan. Just one example of a recent Commercial Real Estate loan by F&M Bank.

Can We Structure A Loan Impacted By Rent Control? Yes, We Can.

While our client was in escrow on a “value-add” 109-unit multi-family project in Thousand Oaks,California, AB-1482 was signed by the Governor. Due to the passage of this new law, that will go into effect on January 1, 2020, it would take the property five years to reach market stabilization, rather than the planned two years.

Can We Create A Tailored Loan For You? Yes, We Can.

Our client’s business model planned for a face-lift of interior, exterior, and landscaping that could only be executed upon tenant move-out due to the new law. F&M structured a solution that allowed our client to execute their vision by providing a loan of 60% of the appraised value and long-term interest-only payments, to allow for maximum cash flow during rehabilitation and lease-up.

Can we structure a loan to help clients turn their business plans into a reality? Yes, we can.

The Services

F&M Bank offers a wide array of commercial products and can create a tailored solution to help with your commercial lending needs.

  •  Commercial Property Purchase and Refinance
  •  Construction Loans
  •  Owner-occupied and Investment
  •  Retail, Industrial, and Mixed-Use
  •  On-Site Decision Making for Fast Answers
  •  Non-Profit and Houses of Worship
  •  No Prepayment Penalties
  •  No-Point Options Available
  •  Competitive Rates and Terms

About F&M 

C.J. Walker founded Farmers & Merchants Bank more than years ago based on the principles of Honesty, Integrity, The Home, The Church, and Service Above Self. Today, Fourth Generation Chairman of the Board and CEO Daniel K. Walker, his brother President W. Henry Walker and their father Kenneth Walker, President of the Main Office, manage the Bank.

Founded in Long Beach in 1907 by C.J. Walker, Farmers & Merchants Bank has $9.4 Billion in assets, and 25 branches across Orange County, Long Beach, the South Bay and Santa Barbara. The Bank specializes in commercial and small business banking, business loan programs, home loans, and a robust offering of consumer retail banking products, including checking, savings and youth accounts.

Following the Walker tradition of giving back to the community, the Bank continues to donate over $2 million each year to charities, non-profit organizations, and religious entities.

All loans are subject to credit approval.
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