Small Business Term Loans built for what’s next
From expansion and equipment to owner‑occupied real estate, get financing structured around your timeline—so you can focus on momentum.
M&T Bank Term Loan Options
M&T offers several types of term loans, including options designed for general business use and commercial real estate needs. Loan structure and terms depend on your business and how the funds will be used.
Term Loan
Best for: Expansion, equipment & long‑life purchases
Invest in growth—renovations, machinery, technology—with predictable payments.
- Loan amounts starting at $10,000+
- Fixed or variable rate
- Terms up to 10 years
Commercial Real Estate Loan
Best for: Purchasing or refinancing your business location
Own your space or refinance what you have to improve stability and cash flow.
- Amounts from $50,000+
- Fixed or variable
- 5–10 year terms
- Options for flexible mortgage structures.
Investment Real Estate Loan
Best for: Buying or renovating income‑producing properties
Build your portfolio across offices, shopping centers, mixed‑use, or multi‑family.
- Amounts $100,000+
- Terms up to 10 years with amortization up to 25 years
Lending that works for you
Loans starting at $10,000
Borrow the amount that fits you busienss goals.
Convenient terms
Tackle your to-do list with a loan for renovations, repairs, equipment purchases or acquiring more space.
Guidance at every step
From application to closing
SBA funding works best with guidance from specialists who know the landscape
Our team will help you navigate programs like SBA 7(a), 504, Express, and MARC—so you can move forward with clarity, confidence, and a financing structure that truly supports your next stage of growth.
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.
Top questions, answered by our experts
A term loan provides a lump sum upfront and is repaid on a fixed schedule. A line of credit allows you to borrow funds as needed up to a limit. Term loans are typically used for planned purchases, while lines of credit support ongoing needs.
Yes. Many businesses use term loans to purchase equipment, upgrade facilities, or make improvements that support growth.
Loan terms can vary based on factors such as how the funds will be used, your business’s financial profile, and the structure of the loan.
Some term loans may require collateral, while others may not. A banker can help explain available options.
You’ll have a conversation with a banker about your goals and financing needs. From there, you can decide whether to move forward and what next steps make sense.
Ready to get started?
M&T is proud to be an SBA Preferred Lender. Whether you’re a start-up without a proven credit history or an established business that can qualify for the most competitive rates, we will walk you through financing options. Book an appointment with your nearest branch in person, on the phone or by video.
Call your dedicated M&T Bank Relationship Manager, stop by your nearest branch or call 1-800-724-6070.
