Get flexible financing that scales with your business.
We work with you to understand your business needs today—and in the future—to offer financing packages to fit your goals.
Business Lending Solutions{{d2021*}}
Business Financing Solutions
Take advantage of opportunities when they arise with access to M&T funding solutions.
Business Term Loans
Purchase equipment or expand your business with an M&T Business Term Loan.
Business Lines of Credit
Manage fluctuations in cash flow and access funding with a Business Access Line of Credit.
Commercial Real Estate
Get financing or refinance your business property with an Owner-Occupied Commercial Mortgage.
Business Lending Solutions{{d2021*}}
Every business grows differently. We’re here with solutions tailored to how you operate and where you’re headed next.
Business Term Loans
Competitive rates and predictable terms for major purchases or long‑range plans.
- Fixed or variable; predictable monthly payments
- Terms sized to your purchase
- Great for vehicles, buildouts, or expansion
Business Lines of Credit
Flexible access to working capital to help manage seasonal swings or unexpected needs.
- Flexible credit you draw as needed
- Variable rates; interest-only during the draw period
- Decisions and funding can be fast
Equipment & Vehicle Financing
Purpose-built financing to help you acquire or upgrade essential assets with confidence.
- Structures aligned to equipment life
- May offer potential tax and cash-flow advantages{{d2109*}}
- Options from simple to complex assets
Business Financing Solutions
Take advantage of opportunities when they arise with access to M&T funding solutions.
Built for Your Business. Backed by Real Support.
WHAT CUSTOMERS ARE SAYING
"It was a goal of ours to get a second location, and M&T stepped up. They were right with us. We got great service during that whole process…Our relationship with M&T Bank is important . Any growth that we want to achieve, I see M&T as having an important piece of that."
Nick & Mike Alfiero,
Owners, Harbor Fish Market, Portland, Maine
Help protect What You’ve Built
Fraud mitigation tools and chip tech help safeguard your business—so you can focus on growth
Move Money, Make Moves
Send payments, transfer funds, and pay bills in minutes{{d16*}}.
Bank Anywhere, Work Everywhere
Mobile tools that keep your business running—whether you're in the office or on the go{{d2107*}}.
Local Roots, Big Reach
Get the personal touch of a community bank with the power of a wide network.
Your Brand, Your Card
Make every transaction a reflection of your business with a debit card that features your logo and design{{d2108*}}.
Top SBA Lender in the communities we serve{{d2076*}}
Best Bank 2026
- Loan programs starting at $5,000 and going up to $5 million
- Flexibility in use of funds, such as renovations or working capital
- Longer repayment terms than traditional bank loans
- No prepayment penalties for terms under 15 years
- New and established businesses can apply
- Our 2026 awards for small business banking excellence include:
- Best Bank for Ease of Doing Business
- Best Bank for Customer Service
- Best Bank for Trust
- Best Bank for Satisfaction with Relationship Manager
Advantages of an SBA loan
- Loan programs starting at $5,000 and going up to $5 million
- Flexibility in use of funds, such as renovations or working capital
- Longer repayment terms than traditional bank loans
- No prepayment penalties for terms under 15 years
- New and established businesses can apply
M&T Bank has been recognized by Crisil Coalition Greenwich as a top bank.{{d2075*}}
Our 2025 awards for small business banking excellence include:
- Best Bank for Ease of Doing Business
- Best Bank for Customer Service
- Best Bank for Trust
- Best Bank for Satisfaction with Relationship Manager
Let’s talk about your lending options
Meet with an M&T lending specialist to discuss your goals and explore solutions tailored to your business.
Meet a Business Banking Specialist near you
Find a branch near you and meet with a Business Banking Specialist
Contact Information
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After submitting this form, an M&T Business Banker will contact you within two business days. By submitting this form you understand that this is not an application for credit.
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