Financing to support your vision, hard work and innovation

Start and grow your agricultural operation with funding you can count on.

Farm loan programs

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.

FSA loans

The Farm Service Agency (FSA) is a government-guaranteed farm loan program for farmers and ranchers who don’t qualify for conventional financing. Ownership and operating FSA loans are available with no down payment required. M&T’s Business Banking Specialists can answer questions about applying and qualifying.