Reduce your monthly business loan repayments by 20%*

About us

FCM Bank is a Maltese Bank specialising in Corporate Financing Solutions, Foreign Exchange Services and Corporate and Personal Deposits.

We are different because we take the time to listen and understand our customers’ needs. Our simple and transparent approach is part of the reason FCM is such a success story. From a zero base, we now have more than 2,900 accounts and with over €60 million in deposits.

FCM Bank is authorised and regulated by the Malta Financial Services Authority, Company Registration No. C50343. The Bank is a participant in the Depositor Compensation Scheme established under the laws of Malta. FCM Bank is committed to high standards of corporate governance. For further information, please click here.

FCM Bank team

Free your cashflow

From our experience dealing with varied clients over the past 10 years we have come to understand that businesses need a consistent flow of cash in order to be able to run their business effectively.

This is why we are committed to offering the most attractive repayment terms out there because we know that increased cash flow for you means increased growth.

We also understand that for our clients, time is money, which is why we have streamlined our processes to reduce the lead time to switch bank. Sanction letter is issued within one month from the complete documentation submitted to us (subject to loan requirements)*. No fees apply to switch.

*Terms and conditions apply. Read here

20% reduction

Keep costs down by reducing
your monthly repayments


No upfront fees when
switching your loans.


We offer personalised
support to customers

Get in touch

If you would like to discuss your options further, call us on +356 2248 8015 or send an email on

Alternatively, you can request a call back by including your number or email address in the form below. All information submitted will be treated in the strictest of confidence in line with the Privacy Policy.

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Key Facts about FCM Bank:

  • Over 1,800 customers and growing
  • Headquartered in Malta
  • Holder of a Maltese banking licence since 2010
  • Regulated and supervised by the Malta Financial Services Authority (MFSA)
  • Participant in the Depositor Compensation Scheme of Malta

Specific Terms and Conditions of the Marketing Campaign Free Your Cashflow

1. 20% reduction on your monthly cash demands

You will benefit from a reduction of 20% on your monthly repayments. Under this offer, you will benefit either from lower 1interest rates applicable to the loan,or a longer term within which to repay the loan, a combination of thetwoaforementioned factors, or other terms which are subject to discussion with the Bank’s representatives. By way of examplethe 20% reduction on your (annuity)repayments can be achieved by prolonging the term of the loan by 30% (e.g. from 8to 10.4years) and reducing the rate by 10% (e.g. from 5.0% to 4.5% p.a.).

2. 2Associated Fees, Transaction Fees or Other Fees

ZEROFees -the Bank will notcharge any processing, legal, architect, account maintenance, external valuation, transaction, early repayment, commitmentand any other fees.The penalty fees incurred upon transferring an existing business loan with another bank to FCM Bank, may be included within the amount of the loan upon request. 3Evidence is to be provided, showing the amount due/paid to the other Bank (where the business loan is held) as early repayment fee and/or other type of fees related to the transfer of the said existing business loan.

3. It only takes one month

We commit ourselves to make your loan switching process as smooth and fast as possible. The Bank will endeavor to issue the Sanction Letter within one month from the date when all documentation requested by the Bank is finalized and submitted to the Bank. The term of one month shall not apply in the case of participating loans and in other instances where the Bank, in its sole discretion decides that it would require more time to assess the application, in which cases the Bank will issue the sanction letter only when all the processes have been duly satisfied.

4. 4Eligibility

Both legal and natural persons are eligible for our business loans. Representatives of legal persons and natural persons must be 18 years of age or over. To become eligible for our business loans, you must a first be onboarded as a customerof FCM Bank. This means that you must first successfully make it through the customer onboarding process. Moreover, the granting of the facility is also subject to a satisfactory credit assessment.

5. Loan minimum value

We consider requests for corporate lending of a minimum value of€300,000 for working capital loans andof a minimum value of €500,000for other Business loans offered by the Bank.

6. APR percentages & Interest rates

Annual percentage rates(APR)do not exceed 5% per annum. The applicable interest rate consists of the Bank’s base rate at the time of the granting of the loan (currently set at 1.99% per annum) plus a margin. Interest rates range from 3.48% per annum to 5% per annum depending on the credit worthiness of the customer.APR within this marketing campaign is equivalentto the applicable interest rate as no fees will be charged(i.e. if we agree on Bank’s base rate plus a margin of 3%, you will be charged an annual interest rate of 4.99%p.a.(Bank’s base rate of 1.99%plus margin of 3%) and thereforeAPR will equal to 4.99% p.a.).

7. Information required

No financial information will be required when you request information with respect to the products and the marketing campaign. Financial information will be requested when you have showed interest in the campaignand you grant consent for a call via the landing page.

8. Terms and Conditions

These Specific Terms and Conditions shall be read in conjunction with the General Terms and Conditions and allother terms and conditions and/or agreements of the Bank.

1The applicable Annual Percentage Rate (APR) is calculatedaccording to the interest rate of the existing loan you already have with another Bank.
2This is not in conjunction with any other offer.
3The Relationship Manager will advise what documentation is required on the first meeting.
4The Bank will provide you with an indicativelist of the documentation that is required for the vetting of the Compliance, Corporate and Risk Department. Furthermore, you must be 18 years of age or over in case of natural persons or legally established corporate entities.