Borrow with confidence

Let M&T navigate the ins and outs of SBA requirements. A nationally recognized Top 10 SBA lender, we can help manage your loan application process.

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.

A clear path for your growing needs

Whether you're boosting cash flow, purchasing property or upgrading equipment, your business needs capital. We partner with the Small Business Administration (SBA) to make it easier for small businesses to get the funding they need.

Advantages of an SBA loan

  • New and established businesses can apply
  • Flexibility in use of funds, such as renovations or working capital
  • Ability to finance goodwill and intangible assets
  • Longer repayment terms than traditional bank loans
  • No prepayment penalties for terms under 15 years
  • SBA guarantee fees waived up to $500,000
The $500,000 threshold is in aggregate if SBA approvals are obtained within 90 days. Fees are effective for the entire fiscal year to maintain the estimated costs of the program unless subsequent Congressional acts modify the program’s effective subsidy costs. 

Business types we’ve helped

Medical Practices
Dental Practices
Insurance Agencies
Service Industries
Veterinary Practices

Top questions, answered by our experts

The U.S. Small Business Administration (SBA) is a federal government agency that provides lenders, like M&T Bank, with guarantees on small business loans, for use in instances where the business may not otherwise qualify for conventional credit.

Some examples of when guarantees are required are:
  • In business less than 2 years
  • High risk industries
  • Collateral shortfalls
  • Longer maturity than conventional credit offers
M&T Bank is nationally recognized as a Top 10 SBA Lender with delegated authority by the Small Business Administration (SBA) to approve loans. This demonstrates that we possess the knowledge and expertise to assist small businesses in obtaining access to capital for their business quickly and efficiently.
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.
Schedule An Appointment at your local branch or meet with your Relationship Manager. After credit approval is received from underwriting, the approval is contingent on the SBA guaranty. We have a dedicated team of SBA Lending Specialists that will help you fulfill the SBA’s loan application requirements. Once SBA eligibility is confirmed, an SBA authorization is issued, you proceed to closing/disbursement.
An SBA Lending Specialist will provide you with the SBA Requirements needed to complete the SBA process. Once all documentation is submitted, SBA authorization is typically provided within 2-3 business days, which is followed by closing/disbursement.

Partner with M&T Bank

Partner with an expert in businesses like yours. Whether you’re a start-up without a proven credit history or an established business that can qualify for the most competitive rates, M&T has a financing solution right for you. Book an appointment with your nearest branch in person, on the phone or by video.

An M&T Business Banker will contact you within two business days.
All loans and lines of credit are subject to receipt of a complete M&T application, credit approval and other conditions.
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.