Business Financing
SBA Loans
Term Loans
Business Credit Cards
Equipment Financing
COVID-19 Resources

Business Lines 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.

Book an Appointment

Find a line of credit solution that meets your needs.

Gain access to the funds your business needs from one of our revolving lines of credit. Our experienced, dedicated Relationship Managers can help you find the right option that aligns with your company’s unique requirements.

Features of the Business Access Line of Credit,
Terms offered for the Business Access Line of Credit (BALOC) are not available for any of the following: refinancing or consolidating existing M&T credit; credit requiring an SBA loan guaranty; or approved credit limits under $5,000 or over $950,000. If an applicant's group credit, including all current requests, exceeds $100,000, additional application information and approvals may be required. Other terms, conditions, fees and restrictions may apply. Offer is subject to change without notice.
​All lines of credit and all terms referenced herein are subject to receipt of a complete M&T application, credit approval and other conditions. Terms offered are available for business purpose loans only, but are not available for refinancing or consolidating existing M&T credit or credit requiring an SBA loan guaranty. Other terms, conditions, fees and restrictions may apply. Conditions of accounts and services are subject to change at any time without notice. After an account is opened or service begins, it is subject to its features, conditions and terms, which are subject to change at any time in accordance with applicable laws and agreements. Please contact an M&T representative for full details. 

Ability to manage fluctuations in cash flow and access funds when you need them
Lines available from $5,000 to $950,000.
Overdraft protection, link your Business Access Line of Credit to an M&T Business Checking Account
24-hour accessibility to your line of credit by direct loan checks, ATM transfers and withdrawals, telephone or M&T Online Banking for Business
Competitive rates
Terms offered for the Business Access Line of Credit (BALOC) are not available for any of the following: refinancing or consolidating existing M&T credit; credit requiring an SBA loan guaranty; or approved credit limits under $5,000 or over $950,000. If an applicant's group credit, including all current requests, exceeds $100,000, additional application information and approvals may be required. Other terms, conditions, fees and restrictions may apply. Offer is subject to change without notice.

You must have sufficient credit available on your Business Access Line of Credit to be covered by overdraft protection. Additional fees may apply. Please see your account agreement for details.

 

Features of the FlexLine of Credit2

Availability to manage planned or unexpected short– to intermediate- term working capital needs
Competitive variable-rate pricing
Larger lines – available from $950,001 and up

Partner with M&T Bank

Partner with an expert in businesses like yours. Apply now to hear from a Merchant Services Business Consultant directly or book an appointment with your nearest branch in person, on the phone or by video.

Book an Appointment
An M&T Business Banker will contact you within two business days.
Unless otherwise specified, all advertised offers and terms and conditions of accounts and services are subject to change at any time without notice. After an account is opened or service begins, it is subject to its features, conditions and terms, which are subject to change at any time in accordance with applicable laws and agreements. Please contact an M&T representative for details.