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.



Manufacturing & Production

Renewable Energy


Government / Municipalities


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.

Options that Work for You.

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

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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.

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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.

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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.

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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.

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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.

XNG Xpress Natural Gas logo

“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


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.

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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.