Customized Equipment Financing Solutions

Balancing market and industry expertise, our dedicated Equipment Finance experts use a consultative approach to tailor financing solutions to fit the unique needs of your business today.

Expertise that Spans Industries.

We serve the following industries as well as additional sectors. Our clients have an anticipated annual capex spend of $1MM.

  • Aircraft
  • Healthcare
  • Manufacturing & Production
  • Renewable Energy
  • Construction
  • Government / Municipalities
  • Rail
  • Trucks / Trailers

Why Work with M&T

Our dedicated Equipment Finance experts work with middle market and large corporate commercial clients.

Giving you access to pre-approved equipment financing lines of credit for quick turnaround, ala cart products for each transaction and finance progress payments or down payments.

Lowering cost of borrowing and improving working capital by aligning asset acquisition to cashflow and revenue sources.

Creating the ability to switch between tax and non- tax products with each funding solution.

Accessibility to utilize the full allocation of tax benefits associated with the equipment.

Best of Award

Series Managing through Challenging Times

Top 5% of Banks

Greenwich Associates

Options that Work for You.

We understand various market conditions and how to create the most beneficial structure to fit your current situation.

Fair Market Value Lease

A flexible solution that allows use of equipment without the hassle of ownership. This results in a significantly lower payment compared to a traditional term loan. Options to return, renew or purchase the equipment at the end of the term are available to the Lessee.

TRAC Lease.

(Terminal Rental Adjustment Clause) Offers similar benefits of an FMV lease with a defined purchase price at the end of the lease (TRAC Amount). TRAC leases allow for flexible mileage and residual amount.

Tax-Exempt Lease Purchase

A conditional sale or installment sale agreement for municipalities, government entities and not-for-profits. This lease allows for tax exempt benefits to M&T providing a discounted borrowing rate to the Lessee.

Term Loan

A traditional financing product structured to specific borrowing terms that can be tailored to the value, purpose and usage of the asset over time. Borrowers agree to repay the loan with either a fixed or floating interest rate.

Conditional Sale Contract

Similar to a term loan, this is a financing arrangement where a buyer takes possession of an asset, but its title and right of repossession remain with the seller until the purchase price is paid in full.

“M&T became a trusted advisor during our engagement which allowed us to work together to find the right solutions to grow our business”

- Executive, XNG

Resources & Insights

Is Now the Right Time to Deploy Capital Reserves?

Many businesses did just that and are now looking for an opportunity to deploy working capital by expanding facilities, upgrading equipment, or embarking on an acquisition.

Resources & Insights

Business Equipment Tech Trends to Watch

Imagine paying only for the hours you use your bulldozers or backhoes to build a new shopping center, rather than a flat monthly rate. 

Connect in Person

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Byrne Dairy

Beginning their business in 1933, Byrne Dairy needed a partner to help them adapt to today’s market. M&T worked with them to understand their current situation and laid the financial groundwork to help them meet their future goals.

Watch their Story
All loans and lines of credit referenced herein, are subject to receipt of a complete M&T application, credit approval and other conditions. Depending on nature of request, existing credit, and amount of credit requested, additional application information and approvals may be required. Other terms, conditions, fees and restrictions may apply. If the credit facility is approved subject to a Small Business Administration (SBA) guaranty, the terms and conditions referenced herein may be subject to change to ensure compliance with SBA requirements.
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 details. 
Source: Coalition Greenwich 2021 Commercial Banking Program