SBA guarantee fees waived on loans up to $1,000,000
The $1,000,000 threshold is in aggregate if SBA approvals are obtained within 90 days. Fees are effective for the entire fiscal year to maintain the estimated costs of the program unless subsequent Congressional acts modify the program’s effective subsidy costs. Offer expires 9/30/2024.

Stay focused on your business and let M&T, a nationally recognized Top 10 SBA lender, navigate the ins-and-outs of SBA requirements and help manage your loan application process.

According to statistics released by the U.S. Small Business Administration (SBA) for total approved loans through the SBA's 7(a) lending program during the federal fiscal year ending 9/30/2023.

A clear path for your growing needs

Boosting cash flow, acquiring a business, purchasing property or upgrading equipment - your business needs capital. We partner with the Small Business Administration (SBA) to help make it easier for small businesses to get the funding they need.

Start

Get the capital you need to help cover up-front costs and get your business started.

Grow

Tackle your to-do list with a loan for renovations, repairs, equipment purchases or purchasing/leasing more space.

Expand

Open a new location, purchase an existing business or launch a new product.

Refinance

Help improve cash flow and lower monthly payments by refinancing existing debt.

Advantages of an SBA loan

Loan programs starting at $5,000 and going up to $5 million
SBA guarantee fees waived on loans up to $1,000,000
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

The $1,000,000 threshold is in aggregate if SBA approvals are obtained within 90 days. Fees are effective for the entire fiscal year to maintain the estimated costs of the program unless subsequent Congressional acts modify the program’s effective subsidy costs. Offer expires 9/30/2024.

M&T SBA Loan Programs

We are proud to support small business owners with SBA-backed funding. M&T Bank offers a variety of SBA loan programs to help you get the best loan structure to meet your needs and drive your business forward.

7(a) Loans

The SBA 7(a) loan is the most common SBA loan product, offering flexibility on terms and business uses. Perfect for acquisitions, partner buyouts, real estate purchases, refinance and more.

SBA Express Loans

SBA Express Loans are for smaller loan amounts (up to $500,000) and use an expedited review process so you can access funds quicker.

504 Loans

504 loans use long-term fixed-rate financing to fund equipment and build, improve, refinance or purchase commercial real estate.

Partner with M&T Bank

M&T is proud to be an SBA Preferred Lender and has the authority to make final decisions on most SBA loans. Whether you’re a start-up without a proven credit history or an established business that can qualify for the most competitive rates, M&T has a financing solution right for you. Book an appointment with your nearest branch in person, on the phone or by video.

Schedule an appointment

See why businesses choose M&T

Experience the stories of our business customers doing some remarkable things and how we've supported them every step of the way.

#BUSINESSSTRONG STORIES

DC Media Connection Alexandria, VA

Motivated to focus forward. A boutique that relies on human interaction, DC Media Connection was hit hard by the pandemic. Luckily, their banker delivered on her 'no business left behind' attitude and helped this women-owned business secure funding to restructure and endure.

Watch Their Story

Banking Built For Communities

During this time, I talked to other business owners who had no idea where to even start. They didn't know where to go. They didn't know who to call, because they didn't have a relationship with their bank - and I did. I never had the anxiety of 'who should I call?'

Jason Cordova
Original Pizza Logs-Finger Food Products

¹ The $1,000,000 threshold is in aggregate if SBA approvals are obtained within 90 days. Fees are effective for the entire fiscal year to maintain the estimated costs of the program unless subsequent Congressional acts modify the program’s effective subsidy costs. Offer expires 9/30/2024.

²According 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 9/30/23.

All loans, lines of credit and all terms referenced herein are subject to receipt of a complete M&T application, credit approval and other conditions. Terms offered are available for business purpose loans only, but are not available for refinancing or consolidating existing M&T credit or credit requiring an SBA loan guaranty. Loans may be subject to commitment and prepayment fees, as applicable. Borrower is responsible for any appraisal, environmental assessment, title insurance, and bank attorney fees that may apply. Other terms, conditions, fees and restrictions may apply.