M&T Bank : Financing
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Financing Your Business. M&T has solutions for loans, lines of credit, credit cards and more.Woman smiling.

Businesses need money to grow. At M&T, we want to help you find a business solution that best fits your financial needs. Use our Needs Assessment to learn about options specific to your situation or calculate how much you can afford to borrow or how much your monthly payments might be.

Get started today
Call your M&T Bank Relationship Manager, stop by an M&T branch, or
call 1-800-724-6070.

Business Credit Products1 Ideal For Funds Available Features
Business Overdraft Line of Credit Businesses with less than $1 million in annual sales Maximum credit line of $25,000 Linked to your M&T business checking account for overdraft protection
Business Access Line of Credit Upgrading equipment, covering seasonal expenses, or purchasing inventory Between $25,000 and $500,000 24-hour accessibility to your line of credit
Business FlexLine of Credit Businesses with short-term borrowing needs From $500,001 and up Requested amounts deposited directly into your business checking account
Express Business Installment Loan Equipment purchases, renovation, and business expansion Up to $100,000 Immediate term financing for your large project needs
Term Loan Companies looking to fund business expansions or equipment purchases From $10,000 and up Single or multiple disbursements options
Real Estate Loan Purchasing or refinancing a building, relocating current business, or expand operations Up to $3,000,000 Flexible financing options to meet specific business needs
M&T Bank Visa® Business Credit Cards Businesses looking to keep personal credit card expenses separate from their business expenses Up to $25,000* Zero Liability/Fraud Protection2, point pooling on Reward products, free online reporting, and much more
SBA Guaranteed Loans Applicants seeking financing to support current activities, to expand, or start a business Up to $5,000,000 Flexible financing options for businesses that may not qualify for financing under conventional bank terms
Agribusiness Financing Farmers and agribusinesses seeking a financing solution to meet the needs of their farm or agribusiness From $10,000 and up Full suite of specialized lending solutions for your farm

*Additional information is required to obtain credit limits over $25,000

1 All loans, lines of credit and credit cards, and all terms referenced herein are subject to receipt of a complete application, credit approval and other conditions. Other terms, conditions, fees and restrictions may apply.

2 Covers U.S. issued cards only. Visa’s Zero Liability Policy does not apply to certain commercial card transactions, ATM transactions, PIN or other transactions not processed by Visa, or if you are grossly negligent or fraudulent in handing your card or card number. Notify M&T Bank immediately of any fraudulent use. Certain unauthorized transactions require a cardholder signature prior to issuing provisional credit. See your cardholder agreement for more details

Visa is a registered trademark of Visa International Service Association.

Unless otherwise specified, all advertised offers and terms and conditions of accounts and services are subject to change at any time without notice. After an account is opened or service begins, it is subject to its features, conditions, and terms, which are subject to change at any time in accordance with applicable laws and agreements. Please contact an M&T representative for full details.

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