Welcome to the future of borrowing with M&T

We're introducing a new online application, which will make it easier than ever to apply for small business lending. Whether you’re looking for help with short-term cash flow needs, refinancing or growing your business, we offer a variety of funding options.


If you are a new customer, you must apply in person at a branch.

Apply for business funding in under 30 minutes

Our Available products


Business Access Line of Credit

Prepare your business for the unexpected with a revolving credit line that gives you the coverage you need, when you need it most.


 Manage fluctuations in cash flow and access funds when you need them

Lines of $5,000 to $250,000 available in online application

 Overdraft protection{{d1007*}}

 Easy access to your BALOC

 Competitive variable rates

 Annual fees apply


Business Term Loan

A lump sum of capital provided upfront, repaid at regular intervals over a set period. Term loans can be great for investing in an expansion opportunity, purchasing equipment and machinery or funding renovations.


Secure short and intermediate-term financing

 Loan amounts of $5,000 to $250,000

 Up to 100% financing available based on qualifications

 Flexible terms up to 5 years

Competitive variable and fixed rate options

Easy payment with auto-deduction from your M&T business checking account

Apply Now
  • Online application currently only available for single-owner/sole proprietor for-profit businesses
  • M&T Bank is an SBA-Preferred lender and SBA loan options may be available.{{d921*}}
  • Interest rates are based on several factors including banking relationship, credit history and collateral
  • Are not available to businesses located outside of Connecticut, Delaware, District of Columbia, Maine, Maryland, Massachusetts, New Hampshire, New Jersey, New York, Pennsylvania, Vermont, Virginia, or West Virginia at this time

Not ready to apply? We're here to help.

Call Us

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Our team is always available to help you better understand your options.

Find a Branch

Come in any time to speak with one of our bankers about your lending needs.

Meet with Us

Book a time to meet in-person, video chat or talk on the phone, on your schedule.