Lending & Financing

M&T Bank offers a variety of financing options, as well as credit facilities tailored to the needs of companies operating on both sides of the border. Credit facilities are available in both CDN and USD.

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Solutions Built for Cross-Border Businesses

M&T Bank has the knowledge, experience and ability to support all of the credit needs of your company’s U.S.-based operations.

Line of Credit

An M&T credit line is a flexible answer to your U.S. affiliate’s short-term borrowing needs. A line of credit can help you manage growth and cash flow in your North American operations.

Term Financing

Your company’s extended borrowing requirements can be met through an M&T Bank Term Loan, which can be used to finance capital expenditures like equipment acquisitions. 

Commercial Real Estate 

M&T Bank offers a full range of services for construction and development lending. Our Relationship Managers take the time to understand what’s important to your business. 

Asset-Based Lending (ABL)

When circumstances do not allow traditional bank financing, M&T Bank can help you leverage the value of your assets to meet the immediate financial needs of your business. 

Government Financing Programs: Canada 

The team at M&T Bank works closely with Export Development Canada (EDC) to provide a range of financial services and solutions for:

  • Canadian exporters
  • Canadian investors
  • International buyers
Deposits with M&T Bank are not insured by the Canada Deposit Insurance Corporation. Deposits with M&T Bank Canada Branch are not insured by the Federal Deposit Insurance Corporation.