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Why Lease? 

Leasing through F&M Bank comes with real advantages.  We know business banking and the tough financial decisions that many businesses face.  That's why we offer leasing as one of our many options.  Our goal is to help you meet your goals.  

Unlike traditional leasing companies, we never charge termination or prepayment penalties should you need flexibility during the term of your lease.  Coordinating all your banking and equipment financing activity with one bank is convenient, saving you time.  Talk with a Business Banker to find out how we can meet your leasing needs or click on the appropriate application below to get started today!

Leasing Options

  • 100% financing available
  • No down payment required
  • New or used equipment
  • Variable payment for seasonal customers
  • Fixed rate for the lease term
  • Most leases can be structured to meet tax objectives


Commonly Leased Equipment

  • Agriculture
  • Technology
  • Commercial Vehicles
  • Construction
  • Manufacturing
  • Medical & Laboratory
  • Municipal & Schools
  • Restaurant & Hospitality
  • And many others...just ask!


Ag Lease Accordion Feature

Only from your community bank- Ag producers have an accordion feature in each lease allowing them to increase or decrease their payment during the lease term depending on need for tax shelter. 

Ready to get started?  Click on the appropriate application.

Standard Equipment Lease Application

Municipal Lease Application

Facilities Lease Application

80% of all businesses use equipment leasing today to acquire equipment, and almost any type of equipment qualifies for a lease.  If your business is considering leasing as an option but you have additional questions, talk to a Business Banker today.