Term Loans

Let M&T help finance your intermediate or long-term fixed assets with flexible, accessible term loans for business owners and investors.

Find a financing solution that fits your needs.

Choose from loans with a variety of amounts, interest rates and terms. Our experienced, dedicated Relationship Managers can help you find a lending option that aligns with your company's unique requirements.

Unsecured Business Installment Loan

  • Purpose: Intermediate-term financing, equipment and machinery purchases, renovations, business expansion
  • Credit Size: $10,000 to $100,000
  • Collateral: None, unsecured
  • Features: Easy application, fast decisions and automatic deduction from your M&T business checking account for ease of payment, ability to make prepayments with no fees

Secured Term Loan

  • Purpose: Long-term working capital, business expansion, equipment purchases
  • Credit Size: $10,000 and up
  • Collateral: Secured by available non-Real Estate assets​
  • Features: Fixed or variable interest rates, flexible term length up to 10 years

Owner-Occupied Commercial Real Estate

  • Purpose: Purchasing, expanding or refinancing owner-occupied business location
  • Credit Size: Amounts from $50,000 and up
  • Terms: Fixed or variable interest rate financing, flexible term length from 5–10 years
  • Flexible Option Mortgage: Flexible term and interest rate adjustment periods with corresponding bank call options, no prepayment premiums at set time periods during the loan term, reduced renewal fees 

Investment Real Estate

  • Purpose: Finance or refinance the purchase or renovation of a property for investment purposes (office buildings, shopping centers, mixed-use commercial buildings, multi-family residential properties)
  • Credit Size: $100,000 and up
  • Terms: Fixed or variable interest rate financing, flexible term length not to exceed 10 years with amortizations up to 25 years

Learn more.

Ready to get started? Call your dedicated M&T Bank Relationship Manager, stop by your nearest branch or call 1-800-724-6070.

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 full details.