November 28, 2014  

Commercial Loans*

At Frederick County Bank, we understand that loans are an essential part of your business plan.  We also know that no two commercial clients are the same, so the ability to customize a loan to meet your specific need is critical. Our knowledgeable lenders have derived their experience from working in the greater Frederick County community, and are eager to find the right commercial loan for you.  All our lenders are just a phone call or email away.  And please remember, your office is our office. We strive to make your banking convenient so you can focus on what matters the most – making your business prosper!

We welcome the opportunity to discuss your financing needs and to tailor flexible solutions to help you achieve your unique business goals, today and for years to come.  Frederick County Bank wants to be the business “banking partner” of choice in Frederick County.

Term Loans

FCB’s Term Loans are the solution for long-term, lump sum financing needs such as equipment and vehicle purchases, leasehold improvements, permanent working capital expansion and other long-term financing needs.  If it is a long-term business need, it likely calls for a term loan.

Lines of Credit

Our Lines of Credit finance a wide variety of short-term credit needs such as short-term working capital, accounts receivable and inventory financing, to name just a few.  Lines of Credit are particularly helpful for those businesses that are impacted by seasonal or business cycles.

Letters of Credit

FCB’s Letter of Credit is a useful instrument when a guarantee of payment or performance is required.  The Bank issuing a Letter of Credit guarantees that its customer’s payment to a seller will be received on time and for the correct amount.  Since FCB guarantees the payment, the credit-worthiness and integrity of the customer is as important as if we were making a direct loan to the customer.

Real Estate

Among our many commercial real estate financing options are loans for the acquisition or refinance of commercial real estate for owner/user purposes.  FCB also makes construction-to-perm loans for owner-occupied commercial properties.


*All Frederick County Bank loan products are subject to underwriting and credit approval.

Note: Frederick County Bank's trade area is primarily Frederick County, Maryland.

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