Business Lines of Credit

A flexible solution for your short- or long-term borrowing needs, our Lines of Credit can help your business grow and improve cash flow.

How It Works

An M&T Line of Credit provides financing flexibility, allowing you to take advantage of business opportunities as they arise and support permanent working capital needs. 

You decide how much to draw and when to finance purchases or supplement your cash flow, and your M&T Bank Relationship Manager will work to customize your loan to help ensure your needs are met completely.

​Revolving loans let you borrow what you need, when you need it.

Our lines of credit are generally revolving credit agreements or revolvers. Revolvers allow your business to borrow, repay, and borrow again up to the original amount committed by M&T, through the life of the loan. These loans may be secured or unsecured and provide available credit for short-term or long-term borrowing. It's a cost-effective way to get the money your business needs, as you need it.

Benefits for Your Business

Whether you have a new business or one that is well established, having extra cash on hand provides convenience and flexibility. 

  • Alleviate cash flow shortages
  • Finance receivables with ease
  • Access your purchasing inventory
  • Take advantage of seasonal opportunities
  • Build credit
  • Secure an interim source of funds when total funding requirements are unpredictable

Ready to learn more or apply?

To find out more or get started on your line of credit application, please call the M&T Commercial Service Team at 1-800-724-2240, or contact your M&T Relationship Manager.

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. Other terms, conditions, fees and restrictions may apply.
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.