M&T offers a full suite of specialized lending solutions, including farm real estate loans, farm equipment loans, working capital lines of credit and farm operating loans. You can finance short-to-intermediate-term capital needs with revolving lines of credit with no fixed terms and the flexibility of interest-only payments. Pay for equipment, machinery upgrades, renovations and business expansion with fixed- or variable-rate term loans of up to 10 years. Farm land loans give you the opportunity to purchase ground. You can also consolidate farm debt to reduce payments and increase liquidity.