Financing Business Growth through FCM Bank lending solutions
In today’s dynamic financial environment, growing your business with the right partner is very important. We spoke with Bonamy Mercieca, Chief Corporate Officer at FCM Bank, who was recently awarded with the Best Businesswoman in Finance of the year, to learn more about how the bank’s tailored loan solutions are supporting local businesses.
Supporting growth with confidence
ToM: Why should clients consider FCM Bank for their Corporate financing needs?
BM: “At FCM Bank we firmly believe that building an authentic relationship with our clients is significant to their long-term success. We strive a lot in making our service exceptional; we understand that clients value the highly personalised service as every business has its own goals and challenges. When choosing to deal with a Bank it is essential that the service is customised to the respective needs. Whether it is a property development, operations expansion, or cashflow management, our lending solutions are built to provide flexible support that best aligns to client’s overall business strategy.”
Transparency and trust at every step
ToM: How does FCM Bank ensure clarity in its loan offerings?
BM: “True relationships are built on Trust - this is FCM Bank’s vision. Trust is imperative and is one of the most important values that we practice. From the very first meeting clients get clearly defined terms to know exactly what to expect. Our goal is to be transparent and make financing straightforward.”
Tailored financing for every business need
ToM: What types of loans does FCM Bank currently offer?
BM: “Current loan solutions offered include:
- Real Estate Loans – for property developments intended for resale
- Project Financing – for long-term developments that generate rental income
- Investment Loans – for acquisitions including equipment, property, corporate shares
- Working Capital Loans – for day-to-day operational support
At FCM Bank we believe that a “one size fits all” does not meet the demanding and evolving requirements of our clients, therefore our products are used flexibly to meet the respective need of our clients.”
Lending responsibly, building sustainably
ToM: How does FCM Bank ensure clients borrow responsibly?
BM: “Responsible lending is central to our philosophy. Every request is carefully assessed to ensure that financing aligns with our clients’ business capacity and long-term objectives, ensuring that our clients grow without taking unnecessary risks.”
Combining efficiency with personal service
ToM: How is FCM Bank enhancing the lending experience?
BM: “We continue to streamline the lending process to make it efficient and straightforward. Our clients benefit from quick response times, personalised service, and direct access to decision-makers. Our professional expertise is combined with a human touch because understanding a business personally, is what makes all the difference.”
A partnership built on listening and understanding
ToM: What defines FCM Bank’s credit philosophy?
BM: “Our credit philosophy is to adopt a flexible approach; listen to the evolving requirements of our individual clients, understand their business strategy and structure our solutions to enable them to achieve sustainable growth. The proactive approach we offer, help us anticipate our clients’ needs and challenges and with integrity at heart, we are open, transparent, and honest with our partners.”
There’s no better time to explore how FCM Bank can help you achieve your financial goals. Visit www.fcmbank.com.mt or contact us for more information to discover the full range of our business solutions.
FCM Bank Ltd is regulated by the MFSA and licensed to carry out the business of banking in terms of the Banking Act (Cap. 371 of the Laws of Malta).
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