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.

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,

  • Ability to manage fluctuations in cash flow and access funds when you need them
  • Lines available from $5,000 to $950,000
  • Overdraft protection​ when you 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

Features of the FlexLine of Credit

  • 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

Get Started

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

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. 
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.
​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. 
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.