Business Capital Banking

Sometimes businesses encounter opportunities or unique circumstances that require alternatives to traditional bank financing. M&T Bank can help provide credit tailored to your business needs.

Responsible & Reliable Partnering

When looking to finance a business in transition, consider a secured loan option that leverages company assets to obtain funds for expansion, additional borrowing capacity, or to support seasonal or cyclical fluctuation. Our experienced team serves a wide range of businesses. 





Business Services

Financial Services

Tailored Solutions

The goals and needs of your business are the starting point to help structure credit facilities designed to provide you a complete solution tailored to your capital needs. We tailor loan packages with credit facilities of $5 million and above to qualified borrowers, including for:


Acquisitions and management buyouts

Seasonal businesses 




Relationship Focused

You can count on an experienced relationship manager to work with you to understand your unique situation and broader business goals. Based on your company's business cycle and cash flow needs, we can tailor a credit facility for:

Accounts receivable and inventory financing

Equipment term loans 

Real estate term loans/mortgages including owner-occupied real estate

Special seasonal credit facilities

More solutions for your business.

Treasury Management

Optimize cash flow with comprehensive, locally-delivered treasury and risk management services.

Commercial Equipment Leasing

Get the capital you need for equipment purchases, acquisitions and business growth with equipment financing and leasing services.

International Trade Finance

Enhance your ability to conduct international business with a range of services that make it safer and smoother.

Contact a Business Capital Banking Professional

Albert Spada

HEAD OF BUSINESS CAPITAL                                                                                           

Patrick Lee


Our team of experienced professionals is ready to help. We are a reliable, experienced team with specialized knowledge to assist you with your capital needs.