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“Construction Loans”

“Construction loans”

“HousingWire: ‘F2 Finance wants to capitalize on a fragmented fix-and-flip market, and help housing supply.’ “LendInvest co-founder Christian Faes launches US-based “fix and flip” lender” “F2 Finance to lend into the $68B ‘fix & flip’ U.S. property market…” ‘Hard bridging loan done within a week of appraisal’ Please sign up to our email list for the latest news from F2 Finance: Frequently Asked Questions / Contact Us / Careers at F2 Finance / Loans for foreign nationals / Blog California / Florida / Texas 233 Wilshire Blvd, Suite 220, Santa Monica CA 90401 Important Disclosures F2 Finance LLC originates business-purpose loans only. We do not provide personal loans, and we do not lend against a borrower's primary residence. The information contained on this website is for general informational purposes only. It does not constitute a commitment to lend, an offer to extend credit, or a guarantee of loan terms. All loan programs, rates, terms, and conditions are subject to change at our sole discretion without notice. Approval is subject to satisfactory completion of our underwriting process. Licensing: F2 Finance LLC | NMLS # 2502447. Licensed by the California Department of Financial Protection and Innovation under the California Financing Law, License # 60DBO-184865. SMS Communications: By providing your mobile phone number and submitting an inquiry on this website, you consent to receive SMS text messages from F2 Finance LLC regarding your loan inquiry, application status, and related communications. Message and data rates may apply. Message frequency varies. You may opt out at any time by replying STOP to any message. We do not share your phone number with third parties for marketing purposes. © F2 Finance LLC. All rights reserved. Our Privacy Policy .”

“Unlike most private lenders, we are a true balance sheet lender. Need an extension or a loan modification? With F2, you won’t have any nasty surprises dealing with a third party you’ve never heard of. You’ll be dealing with us, your actual lender.”

“Behind every successful business is a busy entrepreneur. Our local financial pros are happy to lend a hand. Browse Business Accounts Find Affordable Financing Manage Company Funds”

“New Construction & Land”

“Bridge Loans”

“If you’re looking to renovate, purchase or refinance your place of business, FMS Bank has you covered with long-term financing solutions. We offer a range of commercial real estate loans, including SBA (Small Business Administration), USDA (U.S. Department of Agriculture), and conventional loans. Features include: Terms up to 25 years Long-term & variable interest rates Use commercial real estate as collateral Common commercial real estate involved: Office buildings Industrial facilities or factories Retail or shopping centers Apartment buildings Hotels Restaurants”

“Common commercial real estate involved: Office buildings”

“Construction Loans”

“First Last Phone Email How can we help you? —Please choose an option— Personal Loan Mortgage Loan Small Business Loan Agricultural Loan Checking Account Savings Account Other Locations Fort Morgan 520 Sherman Street Fort Morgan, CO 80701 Monday – Friday Lobby: 9:00am – 5:00pm Drive Thru: 7:30am – 5:30pm Phone: 970-867-3319 Fax: 970-867-9493 Greeley 2425 35th Avenue Greeley, CO 80634 Monday – Friday Lobby: 9:00am – 5:00pm Drive Thru: 7:30am – 5:30pm Phone: 970-673-4501 Fax: 970-330-2850 Toll-Free Phone Numbers: 888-685-0063 833-414-3672 Lost or Stolen Debit Cards: 970-673-4501 Bank By Phone: 866-289-7723 Routing Number: 107003942 Navigate Personal Banking Business Banking Home Lending Resources About Us Contact Us Resources Customer ID Program E-Services Financial Education/Tools Reorder Checks Financial Calculators Address Change Facebook YouTube LinkedIn X © 2026 FMS Bank | Sitemap | Member FDIC Logo Equal Housing Logo Member FDIC Logo Equal Housing Logo”

“Use commercial real estate as collateral”

“The first rule of real estate may be “location, location, location,” but the second rule is turn to FMS Bank. At FMS Bank, we make lending decisions locally – it’s all part of neighbors helping neighbors. That means you can get fast approval on a customized loan package designed by folks who understand the local market.”

“Construction Loans”

“It’s easier in a vehicle that’ll take you there. Plus, you can get a rate as low as 4.99% APR.* Get an Auto Loan”

“Turn your home’s equity into cash. Get Financing What can we help you find? Search”

“Pay My Loan”

“Username Password Enroll Now Forgot Password? Make a Loan Payment”

“We can help – with affordable lending to get you the right space, and services to help you accept payments. Commercial Loans Merchant Card Services”

“We offer accounts, loans, and merchant services specialized for business. Learn more”

“Competitive rates for the purchase, refinance, or construction of commercial properties”

“Construction Loans”

“LaGrange Branch Joe Kroc Executive Vice President, Chief Lending Officer Joe Kroc serves as Executive Vice President and Chief Lending Officer for the FNBC Bank & Trust. Joe joined FNBC in 2012 and has over 20 years of experience in commercial lending and banking. Joe leads a team of commercial and mortgage lenders whose mission is to provide exceptional customer service to the businesses, not-for-profits, investors and families in our community. Joe assists clients with financing for commercial, investment, multi-family, office/medical, and mixed-use properties along with construction financing, equipment loans, business lines of credit and SBA loans. Joe attended the University of Illinois at Urbana-Champaign where he attained his BS in Finance. He has volunteered with and served on numerous boards for community organizations including the La Grange Business Association, the Rotary Club of La Grange, the Pav YMCA of Berwyn and the Berwyn Development Corporation, and was elected to two terms as the Treasurer of the City of Berwyn. Amy Tolan Grace Senior Vice President Relationship Development & Bank Counsel Amy is the Senior Vice President of Relationship Development and Bank Counsel at FNBC Bank & Trust. She joined FNBC in 2021 with over two decades of experience and leadership as a real estate and financial services attorney. Amy leverages her strong background in law and finance to offer a unique perspective when guiding clients through their commercial, C&I, and residential financing needs. She excels in fostering relationships with small business owners, individuals, and industry peers within the community, always showcasing the many advantages of community banking. Her ability to build and nurture client relationships was key to her joining FNBC, as she represented the bank for 10 years before joining the team. Amy earned her BA from Regis University in Denver, Colorado, and her Juris Doctorate from the University of Illinois Chicago Law School. Deeply committed to community engagement, she has served on several business and community boards, including the Chicago Bar Association, West Suburban Chamber of Commerce, UChicago Advent Health’s LaGrange Memorial Foundation, Plymouth Place, La Grange Little League, and the St. Cletus School Board. One of Amy’s most meaningful honors was being nominated as a Leader of Impact for the American Heart Association in 2025 and being recognized as AHA Change Maker for her outstanding contributions. Tim Sawyer Vice President Loan Officer – Commercial Banking Tim has 30 years of banking experience in the Chicagoland market. His career includes working with community banks and super regional banks. His area of expertise is helping small and midsize companies, and real estate investors to obtain financing. Tim has been a commercial loan officer with FNBC Bank & Trust for over 3 years. He is currently the President of the Leadz Network Group. Tim is also involved with many local business organiza”

“Multifamily Loans”

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