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You must have a JavaScript-enabled browser to use this site.

Microsoft Internet Explorer

To turn on JavaScript in Internet Explorer, follow these steps:

  1. On the Tools menu, click Internet Options, and then click the Security tab.
  2. Click the Web content zone that you are using (for example, click Local Intranet),
    and then click Custom Level button.
  3. Locate Active scripting under Scripting settings. Click to select the Enable radio button.
  4. Click OK button on Security Settings and Internet Options windows to save your changes.

To download Internet Explorer 7, click here.

Firefox

To turn on JavaScript in Firefox, follow these steps:

  1. On the Tools menu, click Options.., and then click the Content tab.
  2. Click to select the Enable JavaScript check box.
  3. Click OK button to save the setting.

To download Firefox 2, click here.

Safari

To turn on JavaScript in Safari, follow these steps:

  1. Open Safari
  2. On the Safari menu, click on Preferences.
  3. Click the Security icon.
  4. Click on Enable JavaScript next to the Web Content section if it is not checked
  5. Close the Preferences window
  6. Close and restart Safari.

Opera 9.xx series

To turn on JavaScript in Opera 9.xx series, follow these steps:

  1. Open Opera.
  2. On the Tools menu, click Preferences.
  3. Click Content in the Preferences list.
  4. Check the box next to Enable JavaScript.
  5. Click the JavaScript Options button to open the JavaScript Options box.
  6. Check the boxes that you want to allow.
  7. Click OK.
  8. Click OK.

Google Chrome(v0.4.154.23)

To turn on JavaScript in Google Chrome(v0.4.154.23), follow these steps:

  1. First close any open Chrome windows.
  2. Right click on a blank area of your Desktop.
  3. Select New.
  4. Create a new Shortcut with the following in the "Type the location of the item:" text box:
    • For Windows Vista:
      %userprofile%\Local\Google\Chrome\Application\chrome.exe -enable-javascript
    • For Windows XP:
      "%userprofile%\Local Settings\Application Data\Google\chrome.exe" -enable-javascript
      Note: You'll have to enclose the file path for Windows XP in quotes due to there being spaces in it.

 

 

 

 

Three senior business owners looking at a laptop screen together.

SBA Guaranteed Loans

​​​As a preferred SBA lender, M&T provides financing to new and existing businesses that may not qualify under conventional bank terms​DIS-173-DIS​.

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​​Compare your small business financing options.

We offer three types of loans through the U.S. Small Business Administration (SBA) program, depending on the amount of funding required. Compare the details of each option, including upfront fee requirements.

  7(a) Small Loans < or = $350,000 7(a) Loans > $350,000 SBA Express
Ideal to

Support current activities, to expand​ or start a business

Support current activit​​ies, to expand or start a business

Support current activities, to expa​nd or start a business

Credit Amount

Term Loa​​ns up to $350,000

Term Loans from $350,00​0 to $5,000,000

Lines of Credit or Term​​ Loans up to $350,000

Use of Funds

Working capital, lease​hold improve​ments, equipment purchase, land, building or business acquisition including real estate

Working capital, leasehold improvements, equipme​​nt purchase, land, building or business acquisition including real estate

Working capital, leas​ehold improvements, equipment purchase, land, building or business acquisition, debt refinancing

Interest Rates

Variable

  • Loans < 7 years: up to WSJ Prime + 2.25%​DIS-173-DIS
  • Loans > or = 7 years: up to WSJ Prime + 2.75%​DIS-173-DIS​

 

Variable

  • Loans < 7 years: up to WSJ Prime + 2.25%​DIS-173-DIS​
  • Loans > or = 7 years: up to WSJ Prime + 2.75%​DIS-173-DIS​

 

Variable

  • Loans < or = $50,000: up to WSJ Prime + 6.50%​DIS-173-DIS​
  • Loans > $50,000: up to WSJ Prime + 4.50%DIS-173-DIS

 

Maturity

Up to 10 years for non-real estate secured; up to 25 years for real estate ​secured

Up to 10 ​​years for non-real estate secured; up to 25 years for real estate secured

  • Term Loans: up to 10 years for non-real estate secured; up to 25 years for real estate secured
  • Lines of Credit: up to 7 years maximum

 

Requirements

Borrower must pay to the SBA an upfront guaranty fee equal to:

  • 0% of the guaranteed portion for loans < or = $150,000
  • 3% of the guaranteed portion for loans > $150,000

 

Borrower must pay to the SBA an upfront guaranty fee equal to:

  • 3% of the guaranteed portion for loans < or = $700,000
  • 3.5% of the guaranteed portion for loans > $700,000
  • An additional 0.25% is charged for any guaranteed portion > $1,000,000

 

Borrower must pay to the SBA an upfront guaranty fee equal to:

  • 0% of the guaranteed portion for loans < or = $150,000
  • 3% of the guaranteed portion for loans > $150,000
  • Fee waived for veteran-owned businesses

 

How to Apply

Ready to talk to us about securing a loan for your small business? Get in touch today to start the process. If your company needs a business loan or line of credit for $100,000 or less, you can have access to these funds in just a few days.

Contact Us​ >​

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