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. 

USDA Business & Industry Loans (B&I)

The U.S. Department of Agriculture Rural Development offers loans for growth, acquisition, construction, debt refinance, and more. With down payments as low as 10%, and terms not offered through conventional lending, a USDA B&I Loan may be the right fit for your business need.

Work with an experienced agricultural lender to help secure financing.


Raising Capital

Understanding your potential business’ financial needs can help determine the funding sources that best meet those needs. Our resources will help to inform you of your next steps. Learn more about raising capital.