Olivia Wightman

Agriculture Real Estate Financing

Investing in farmland or expanding your agricultural operation requires a financing partner who understands the industry. At F&M Bank, we offer tailored real estate financing solutions designed to help farmers and agribusiness owners acquire, develop, and improve farmland. With competitive rates and flexible terms, we’re committed to supporting the long-term growth of agriculture in the Shenandoah Valley.

Cattle Farms

Raising and managing livestock comes with unique financial needs, from purchasing land and equipment to covering feed and veterinary expenses. F&M Bank provides customized financing options for cattle operations, helping farmers maintain healthy herds and a thriving business. Our Ag Lending team understands the cycles of the livestock industry and is here to support your operation year-round.

Dairy Farms

Dairy farming requires significant investments in livestock, milking equipment, feed, and facility upgrades. F&M Bank offers specialized financing solutions to help dairy farmers manage cash flow, purchase essential equipment, and expand operations. Whether you’re upgrading milking systems or expanding your herd, our team is dedicated to helping you build a sustainable dairy business.

Poultry Farms

Poultry farming is a vital industry in the Shenandoah Valley, and F&M Bank is well-versed in the unique financial requirements of poultry producers. From constructing new poultry houses to upgrading ventilation and feeding systems, our lending solutions are designed to support your farm’s efficiency and profitability. Our Ag Lending team understands the industry’s challenges and is ready to help you grow.

Linked Line of Credit

Agriculture is unpredictable, and having access to flexible financing is essential for managing seasonal expenses, input costs, and cash flow fluctuations. F&M Bank’s Linked Line of Credit is designed specifically for farmers, offering a revolving credit line that allows you to borrow as needed. Whether you need to purchase seed, cover unexpected expenses, or manage operating costs, our linked credit line gives you the financial flexibility to keep your farm running smoothly.

Olivia Wightman

Commercial Ag Lender

A lifelong resident of the Shenandoah Valley, Olivia Wightman brings a deep-rooted passion for agriculture to her role as an Agriculture Lender at F&M Bank. Growing up in Edinburg, Virginia, Olivia developed an early appreciation for the farming industry through her involvement in FFA, where she served as an officer. She went on to earn a degree in Agribusiness Management with a minor in Professional Sales from Virginia Tech, graduating Magna Cum Laude.

During her time at Virginia Tech, Olivia was actively engaged in agricultural leadership, serving as the president of the National Agri-Marketing Association. Her hands-on experience continued with a summer internship at F&M Bank, where she worked closely with both the agriculture and credit departments. This experience solidified her desire to support local farmers through tailored financial solutions.

Now a dedicated member of F&M Bank’s Ag Lending team, Olivia is committed to helping farmers across the Shenandoah Valley navigate the financial aspects of their operations. Whether working with livestock producers, crop farmers, or agribusiness owners, she takes pride in building lasting relationships and providing personalized lending solutions to strengthen the region’s agricultural community.

When she’s not working, Olivia enjoys spending time outdoors, traveling, and of course cheering on the Hokies.