Solutions for Condominium & Homeowners Associations

Whether your condominium or homeowners association is renovating, making common area repairs, or seeking additional financing, M&T can provide customized solutions designed to help meet the needs of your business.

Our Custom Solutions

Since your business has a distinctive financial cycle, we're prepared to create a customized financial services package for you. We'll provide the financing your association needs for up to 100% of the cost of common repairs including:

  • Roadway resurfacing
  • Roof replacement
  • Mechanical system upgrades
  • Vinyl siding conversion
  • Painting
  • Expansion of recreational facilities (i.e., pool, clubhouse, fitness center, playground)

Additional Solutions

We can help you simplify the collection of funds and help you better understand your cash flow:

​Personal Financial Solutions

M&T Securities, Inc. can provide you with guidance on non-deposit investments, insurance solutions and retirement planning.

View Personal Investment Solutions ›

Local Relationship Management

At M&T, we work hard to understand what's important to you and your business. We make sure banking decisions regarding your business are made locally, with a dedicated Relationship Manager who anticipates your future needs and is dedicated to helping you improve your business.

The M&T Advantage

Our comprehensive business approach gives you access to financial products and discounted business services that can help you manage your cash flow, accept payments and disburse funds – all while saving you time and money.

M&T Bank’s Lockbox services are provided subject to M&T Bank’s standard Master Treasury Management Services Agreement and Treasury Management Services Product Terms and Conditions for that service.
M&T Bank's Remote Check Deposit ("RCD") services are provided subject to M&T Bank's standard treasury management services agreements for the provision of RCD services ("RCD Agreement"). Client may only use an Approved Scanner (as defined in such RCD Agreement) for RCD services. Under our RCD Agreement, M&T Bank may pay the cost of purchasing one M&T Approved Scanner (per client) on behalf of client to be used under the RCD Agreement. However, if the RCD Agreement is terminated for any reason (other than by M&T Bank without cause) prior to the six (6) month anniversary of the commencement date of the RCD services, client must reimburse M&T the cost of each M&T Purchased Scanner that M&T purchased on behalf of client.
M&T Bank Merchant Services® are available subject to completion of a Merchant Services application and credit approval. Merchant Services are provided subject to the terms and conditions of M&T Bank's Merchant Services Agreement. Availability of funds is subject to M&T Bank's Funds Availability Policy. Additional terms and conditions apply.
Use of these features and services requires Internet and/or data access through a computer or mobile device. Subject to availability and the same limitations as any service available through the Internet. M&T Bank is not responsible for matters that are outside of its reasonable control that might impact availability and functionality. M&T Bank reserves the right to suspend service for any reason at any time. Your mobile carrier's text messaging and data charges may apply. Fees may apply for optional services provided through M&T Online Banking. View the M&T Digital Services Agreement for additional details.
Investment and Insurance Products: • Are NOT Deposits • Are NOT FDIC Insured • Are NOT Insured By Any Federal Government Agency • Have NO Bank Guarantee • May Lose Value​​​​​
Some products and services may be provided through third parties, subsidiaries or affiliates of M&T Bank.
All loans and lines of credit are subject to receipt of a complete M&T application, credit approval and other conditions.
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.
Brokerage services and insurance products are offered by M&T Securities, Inc. (member FINRA/SIPC), not by M&T Bank. M&T Securities is licensed as an insurance agent and acts as agent for insurers. Insurance policies are obligations of the insurers that issue the policies. Insurance products may not be available in all states.