Explore all your funding options

Venture capital funding might make sense for new businesses that don’t qualify for loans or grants.

Private investors could be a source for your multicultural-owned business funding

Startup business owners who may not qualify for competitive loans or grants, or who don’t have the cash flow to allow for loan repayment, may choose to give up equity in their business in exchange for venture capital funding. That means that rather than securing financing through a bank or another lending institution or through a grant program, an entrepreneur would fund their business through a private investor who would then own a piece of the company.

Many entrepreneurs will not be willing to part with the equity in their business that is required to secure VC funding. And the less established or proven your business is, the more equity you may have to give up to get the money you need or want. Venture capitalists may also require a board position or the ability to have some control over decision-making so that they can protect their investment. This can be a nonstarter for some small business owners.

M&T Bank can help you find the best business funding options for your situation. We have several loan options with competitive rates and flexible terms that allow you to maintain full control of your business. And we can help you research grant opportunities that may be a fit.

Work with a leading SBA lender

The Small Business Administration (SBA) is a government agency that partners with lenders to offer competitive-interest-rate loans for business owners who don’t qualify for conventional financing. M&T is a top-rated SBA lender.

According to statistics released by the U.S. Small Business Administration (SBA) for total approved loans through the SBA's 7(a) lending program during the federal fiscal year ending 9/30/2022.
How a term loan provides flexibility

Using non–real estate assets as small business loan collateral, you could qualify for a term loan of at least $5,000 with fixed or variable interest rates and a flexible term length of up to 10 years. 

A line of credit gets you money as you need it

A business line of credit allows you to take advantage of opportunities as they arise and support ongoing working capital needs. Having the ability to immediately tap extra money when you need it allows you to deal with cash flow shortages, finance receivables, purchase inventory and more.

Let our experience helping small businesses pay off for you. Schedule an appointment with your local M&T branch.

Explore More


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Venture Capital for Women-Owned Businesses


Managing Your Cash Flow


Preparing Taxes

Learning Modules


How to Use Business Credit

Learn about the different types of credit that can help support your business operations. 


How Businesses Obtain Credit

Learn what’s needed to obtain credit, so that you’re better prepared when you’re ready to apply.


Financial Wellbeing for Entrepreneurs

Learn more about the financial basics of entrepreneurship.

This article is for informational purposes. It is not designed or intended to provide financial, tax, legal, investment, accounting, or other professional advice since such advice always requires consideration of individual circumstances. Please consult with the professionals of your choice to discuss your situation.