Borrow with confidence

Let M&T navigate the ins and outs of SBA loan requirements. As a nationally recognized Top 10 SBA lender, we can help manage your loan application process.{{d174*}}


Borrow with confidence

Let M&T navigate the ins and outs of SBA loan requirements. As a nationally recognized Top 10 SBA lender, we can help manage your loan application process.{{d174*}}

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{{d901*}}
  • 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 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.


An M&T Business Banker will contact you within two business days.

Business types we've helped

 Medical Practices

Dental Practices

Insurance Agencies

Service Industries

Veterinary Practices


Top questions, answered by our experts

The U.S. Small Business Administration (SBA) is a federal government agency that provides lenders, like M&T Bank, with guarantees on small business loans, for use in instances where the business may not otherwise qualify for conventional credit.

Some examples of when guarantees are required are:

  • In business less than 2 years
  • High risk industries
  • Collateral shortfalls
  • Longer maturity than conventional credit offers

Yes, there is no limit to how many times you can apply for a Small Business Administration (SBA) loan. In fact, you can have multiple and concurrent SBA loans to fund various parts of your operation.

M&T Bank is nationally recognized as a Top 10 SBA Lender{{d174*}} with delegated authority by the Small Business Administration (SBA) to approve loans. This demonstrates that we possess the knowledge and expertise to assist small businesses in obtaining access to capital for their business quickly and efficiently.

Schedule an appointment at your local branch or meet with your Relationship Manager. After credit approval is received from underwriting, the approval is contingent on the SBA guaranty. We have a dedicated team of SBA Lending Specialists that will help you fulfill the SBA’s loan application requirements. Once SBA eligibility is confirmed, an SBA authorization is issued, you proceed to closing/disbursement.

To apply for an SBA loan, you will likely need the following documents.

  • SBA borrower's information form
  • Business tax returns
  • Business certificate or license
  • Business lease
  • Statement of personal history
  • Personal financial statement
  • Personal income tax returns

While it helps to come prepared, we recommend meeting with an M&T Bank SBA specialist so we can work with you to understand the necessary documents for your specific business and SBA loan type.

An SBA Lending Specialist will provide you with the SBA Requirements needed to complete the SBA process. Once all documentation is submitted, SBA authorization is typically provided within 2-3 business days, which is followed by closing/disbursement.