Small Business Loans

Borrow with confidence from one of the nation's top-ranking SBA lenders. We've helped countless small businesses get the funding they need to succeed.

Get started today >

Work with a top 10 national SBA lender.


M&T Bank proudly partners with the SBA to provide the right loan products to businesses that may not qualify for traditional financing. SBA Loans, which are guaranteed by the Small Business Administration, typically provide lower monthly payments for small businesses by offering longer loan terms.

When you work with M&T Bank, not only will you benefit from local decision-making, you’ll have one of the nation’s leading SBA lenders on your side.

Prompt loan processing and fast response allow us to help you find a solution that fits your business by offering SBA lending products that include:

SBA Paycheck Protection Program

We are committed to providing you with critical resources to help you understand the loan forgiveness portion of the PPP.  Learn More >

SBA Express Loan

  • Purpose:  Working capital, equipment purchases, business acquisition
  • Credit Size: Lines of credit or term loans up to $350,000
  • Features: Accelerated process to help small businesses grow faster

SBA 7(a) Loan

  • Purpose: Business acquisition, start-up financing, purchase real estate
  • Credit Size: Term loans up to $5,000,000
  • Features: Options to help businesses grow while improving cash flow with longer term financing options (Up to 10 years for non-real estate secured; up to 25 years for real estate secured)

You can find more information on SBA loans and resources for your business at SBA.gov

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 9/30/2019.
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.