SBA LOANS
Borrow with confidence
Let M&T navigate the ins and outs of SBA loan requirements. As a nationally recognized Top 10 SBA lender, we can help manage your loan application process.
Advantages of an SBA loan
- Loan programs starting at $5,000 and going up to $5 million
- SBA guarantee fees waived on loans up to $500,000
- Flexibility in use of funds, such as renovations or working capital
- Longer repayment terms than traditional bank loans
- No prepayment penalties for terms under 15 years
- New and established businesses can apply
Start
Grow
Expand
Refinance
M&T SBA Loan Programs
We are proud to support small business owners with SBA-backed funding. M&T Bank offers a variety of SBA loan programs to help you get the best loan structure to meet your needs and drive your business forward.
7(a) Loans
The SBA 7(a) loan is the most common SBA loan product, offering flexibility on terms and business uses. Perfect for acquisitions, partner buyouts, real estate purchases, refinance and more.
SBA Express Loans
SBA Express Loans are for smaller loan amounts (up to $500,000) and use an expedited review process so you can access funds quicker.
504 Loans
504 loans use long-term fixed-rate financing to fund equipment and build, improve, refinance or purchase commercial real estate.
Partner with M&T Bank
M&T is proud to be an SBA Preferred Lender and has the authority to make final decisions on most SBA loans. 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.
A clear path for your growing needs
Business types we’ve helped
Top questions, answered by our experts
What is the U.S. Small Business Administration (SBA)?
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
Can you have more than one SBA loan at the same time?
Yes, there is no limit to how many times you can apply for a Small Business Administration (SBA) loan. In fact, you can have multiple and concurrent SBA loans to fund various parts of your operation.
Why choose M&T Bank for SBA financing solutions?
What’s the first step in applying for an SBA loan?
What's needed to apply for an SBA loan?
To apply for an SBA loan, you will likely need the following documents.
- SBA borrower's information form
- Business tax returns
- Business certificate or license
- Business lease
- Statement of personal history
- Personal financial statement
- Personal income tax returns
While it helps to come prepared, we recommend meeting with an M&T Bank SBA specialist so we can work with you to understand the necessary documents for your specific business and SBA loan type.