Enable Java Script

Either your browser does not support JavaScript, or you have JavaScript disabled.
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.


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.


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.





Entrepreneurs reviewing paperwork.

Business Insights: Five Signs Your Business Needs Financing

Defining your future business needs can show areas of your business that would benefit from external financing. Having this information before you need it can also help drive your plan for accessing these funds. 

By M&T Business Banking




Access to external financing is critical to business growth and success.

Business success takes strategy, planning and oversight. Continuing that success for the long term requires keeping a close eye on your business, your customers and trends in your industry, so you’re prepared to take advantage of opportunities when they arise.

At some point, all businesses will need access to capital to continue to meet their short- and long-term goals. According to the 2016 Small Business Credit Survey, 61% of employer small businesses faced financial challenges in 2016.DIS-415-DIS

Often, however, the need for financing isn’t given much consideration until you realize that not having it could limit your company’s growth. Pinpointing those needs and the considerations behind them, in advance, can guide your next steps.

Five signs your business needs financing

Flexible financing helps keep your business in front of your customers. It also provides a reliable source to help you consistently cover your normal working capital requirements. To help you better prepare for a future credit need, here are five examples of situations where your business could benefit from outside financing:

  1. Growing or expanding your operations. Whether you’re thinking of adding product lines or staff, expansion typically includes additional operational costs. Many of these costs will be incurred before you begin to bring in new revenue. If you’re adding new sales staff, for example, how will you cover their payroll in the short term?
  2. Going through difficult times or experiencing cash flow problems. While the goals for your business are most likely centered around continued growth and increased revenue, there may be setbacks on your path to meeting these goals, such as outstanding customer invoices or an unexpected repair bill.
  3. Needing additional equipment or assets for a real estate transaction. Purchasing real estate, renovating your existing space, or refinancing your real estate debt can go a long way toward growing your business. However, real estate and construction-related transactions often require specific and/or unique types of funding.
  4. Using your personal credit for business expansion. Using your personal credit, like a credit card or Home Equity Line of Credit, to finance business growth can negatively impact your credit score. This can put your personal creditworthiness at risk and hinder your ability to secure future credit.
  5. Lacking cash flow to support your rapid business growth. Rapid business growth is a positive sign, but it can sometimes be accompanied by cash flow constraints. The growth could be increasing your overhead and costs faster than you can bring in the cash to pay for them.

Having the money in place in advance can make these activities much less stressful, especially if you need to pay your bills before you have the income to cover them.

Planning ahead can help your business thrive.

In addition to being a temporary fix for cash flow challenges, external business financing is a strategic tool that companies at all stages of business growth can utilize.

It’s not always quick, or easy, to apply for or seek financing when you’re ready and recognize that you need it. It’s critical to recognize the gap early to have ample time to complete all the necessary pre-funding activities.

Clearly defining the future of your business and the related requirements allows you to you see the areas that could benefit from additional funding. Having this information before you need it helps you to better plan for accessing the capital you need for your business continue to grow and compete.