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A bank for businesses.

We know small businesses are the heartbeat of our communities, because we live here too. We're working hard to keep you strong and resilient. There's nothing more important than that.

Making a difference in people's lives.

To the people and businesses working hard and making a difference: we’re here for you. And we truly believe in the power of what we can accomplish together. 

Our Business Specialists, over 900 strong, understand your business is the heartbeat of our community. Stop by a branch near you or schedule an appointment today.

Our customers' stories in their own words.

Golden Cup Coffee:

Rodriguez Construction Group:

Nector Yoga Studios:

Vision Technologies:

Boordy Vineyards

Mayer Brothers Cider Mill

Carroll Independent Fuel

OOFOS

WBDC

Stews

A commitment to working for businesses.

We've supported our customers and communities, through good times and bad, for over 160 years. We're proud to participate in programs like the SBA Paycheck Protection Program (PPP), to ensure that businesses in our communities remain strong.

59,448
Businesses Helped
$9.902 Billion
Funded to Businesses
849,475
Employees Impacted

SBA Paycheck Protection Program data as of Aug. 12, 2021

Shop Local

M&T Spotlight Shop

Our local businesses are what make our community feel like home. We're proud to highlight what makes them shine with our Virtual Spotlight Shop.

Banking built for business.

Business Checking

We have a range of business checking options for all types of businesses.

Learn more about business checking >

Payment Acceptance

M&T can help your business improve cash flow by processing cashless, mobile, and card-not-present payment options.

Learn more about M&T Bank Merchant Services >

Business Financing

Our business financing options, including SBA loans, lines of credit, and term loans, ensure your business is ready to take advantage of opportunities whenever they arise.

Learn more about business financing > 

Cash Flow Management

From our expense management tools like M&T BizPay, to deposit tools like Remote Check Deposit, we have the resources to help support your business operations.

Learn more about cash management solutions >

Business Credit Cards

Whether you are looking to earn cash back on every purchase or need a lower APR, we have an option for you.

Learn more about business credit cards >

Digital Banking

Our digital banking solutions allow you to bank on your time so you can focus on your business. 

Learn more about digital banking tools for business > 

Banking Built For Communities

"Small business is the heartbeat of a community. M&T Bank is definitely committed to independent businesses. They really worked with us from the beginning. They are just as committed to our business as we are."

Laura and David Alima
Owners of The Charmery

We are here for you.

M&T helps businesses realize and strive to reach their financial goals. You can connect with us at your local branch in person or over the phone to discuss our Small Business Week offers. 

Equal Housing LenderEqual Housing Lender. ©2022 M&T Bank. Member FDIC. All rights reserved. Privacy Policy

* Source: Coalition Greenwich 2021 Commercial Banking Program.

** According to statistics released by the Small Business Administration (SBA) for total approved loans through the SBA’s 7(a) lending program during the fiscal year ending 9/30/2021.

Unless otherwise specified, all advertised offers and terms and conditions of accounts and services are subject to change at any time without notice. After an account is opened or service begins, it is subject to its features, conditions, and terms, which are subject to change at any time in accordance with applicable laws and agreements. Please contact an M&T representative for full details.

All products and services are subject to eligibility and restrictions may apply.

All loans and lines of credit are subject to receipt of a complete M&T application, credit approval and other conditions.