Solutions for Agriculture Businesses

We support the vision, hard work and innovation of America's agriculture businesses. Talk to us about financial products that can help you grow your business.

We're invested in agriculture.

M&T offers a full suite of agriculture bank accounts and specialized lending solutions, including farm real estate loans, farm equipment loans, working capital lines of credit and more. We are committed to providing unique agriculture banking solutions that can help your farm grow.

Lines of Credit

Keep things running smoothly with access to funds whenever you need them.

For short- to intermediate-term working capital needs:

  • Line amounts starting at $5,000
  • Revolving lines with no fixed terms
  • Flexibility of interest-only payments

Term Loans

Help pay for equipment, machinery upgrades, renovations or expanding your business.

For equipment and machinery purchases, renovations and business expansion needs:

  • Available in amounts starting at $10,000
  • Competitive fixed- and variable-rate options
  • Flexible term lengths up to 10 years

Owner-Occupied Commercial Mortgage

Purchase property or refinance debt.

For financing or refinancing business property that is at least 50% owner-occupied:

  • Flexible terms, from 5 to 10 years
  • Amounts starting at $100,000
  • At least 50% occupied by owner

Our agribusiness professionals that know your business.

Our experienced team comes from various backgrounds and experiences in banking and finance. We have the commitment and resources to deliver competitive value to businesses that wish to partner with us. The Agribusiness Department can work with your management team to analyze and help determine the best solutions for your current and future financing needs.

All loans and 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. Terms offered are not available for refinancing or consolidating existing M&T credit or credit requiring an SBA loan guaranty. Loans may be subject to commitment and prepayment fees, as applicable. Borrower is responsible for any appraisal, environmental assessment, title insurance, and bank attorney fees that may apply. Other fees or restrictions may apply. Offer is subject to change without notice. Please see an M&T representative for full details.
All loans and 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. Terms offered are not available for refinancing or consolidating existing M&T credit or credit requiring an SBA loan guaranty. Loans may be subject to commitment and prepayment fees, as applicable. Borrower is responsible for any appraisal, environmental assessment, title insurance, and bank attorney fees that may apply. Other fees or restrictions may apply. Offer is subject to change without notice. Please see an M&T representative for full details.
The mortgaged property must be at least 50% owner-occupied for commercial use. Offer not available to applicants with an existing M&T commercial mortgage.
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.