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Loans & Lines of Credit

All businesses need money to grow. When your company needs a loan, you can't afford long delays in getting a credit decision. That's why at M&T Bank, we make a point of responding quickly to your loan request with a business solution that best fits your financial needs. To help you determine the account that best meets your needs and objectives, use our Loan and Line of Credit Selector.

Loans

	Business Installment Loans
	Real Estate Loans
	SBA Guaranteed Loans
	Equipment Leasing

Lines of Credit

	Overdraft Line of Credit
	Visa® Business Line of Credit
	Business Access Line of Credit
	Overdraft Protection

Business Installment Loans

	A fast, easy way to get the financing your need for equipment, capital improvements or permanent working capital.
	Loan amounts from $5,000 and up.
	Terms available from 12 to 60 months.
	Great rates available when you apply online.
	Apply Now and receive 48-hour loan decisions on loans under $50,000.*
	Online access for account and payment information.

Real Estate Loans**

	Enable you to purchase a building, relocate your existing business or expand operations.
	Fixed or variable rates.
	Flexible rates and terms.
	Amounts from $50,000 and up.
	Online access for account and payment information.

SBA Guaranteed Loans

	M&T Bank is a preferred lender of the U.S. Small Business Administration (SBA), ensuring prompt processing of your loan request.
	Provides financing to new and existing businesses that may not qualify under conventional bank terms.

Equipment Leasing

	Up to 100% equipment financing.
	Lease amounts from $5,000 and up.
	Fixed monthly payments.
	Convenient alternative to traditional bank financing.
	Online access for account and payment information.

Overdraft Line of Credit

	Overdraft protection on a single linked M&T business checking account.
	Lines available from $2,000 - $25,000.
	Revolving line of credit.
	In addition to providing overdraft protection, you will have the ability to access the account via: M&T Bank ATMs (with a linked M&T Business Check Card), M&T's Business Telephone Banking Center (with a linked M&T Business Check Card), and online with M&T's Web Banking for Business.

Visa® Business Line of Credit*

	Designed to provide instant access to a line of credit for you and your designated employees.
	Lines available from $1,000 to $50,000.
	Overdraft protection available when you link your Visa® Business Line of Credit to an M&T business checking account.
	Access your line of credit by credit card, at ATMs with your M&T Check Card or ATM Card for Business, by telephone, or online with M&T Web Banking for Business.
	Low introductory APR of 8.9% fixed for the first six months.

Business Access Line of Credit

	Revolving line of credit featuring 24-hour accessibility and the convenience of loan checks.
	Lines available from $25,000 to $100,000.
	Overdraft protection available when you link your Business Access Line to an M&T business checking account.
	Access your line of credit by check at ATMs with your M&T Check Card or ATM Card for Business, by telephone or online with M&T Web Banking for Business.
	Great rates available when you apply online.
	Apply Now and receive 48-hour loan decisions on loans under $50,000.*

Overdraft Protection

Avoid the embarrassment and inconvenience of checks returned for insufficient funds. Overdraft protection is available to all qualified commercial checking customers who have their account linked to an M&T's Visa® Business Line of Credit or Business Access Line of Credit.

To find out what M&T Bank can do for your business, stop by any Stern Consulting and speak with a Business Banker or call M&T's Telephone Banking Center at (800) 836-1500

*48-hour (two business days) loan decisions are contingent upon receipt of a complete application. After the six-month introductory period, the Business Access introductory rate reverts to the standard variable rate based upon M&T Bank Prime plus a spread determined upon review of your application.

**VISA Business Line of Credit is provided by M&T Bank, N.A. Commercial real estate loans are provided by M&T Real Estate, Inc., a subsidiary of M&T Bank. All loans and leases are subject to credit approval and certain limitations.

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