Commercial Real Estate

Take advantage of our full range of commercial real estate financing services for real estate developers, investors and owners.

Financing for your business.

Our Portfolio of Real Estate Financing Options

Due to our outstanding credit culture, M&T has achieved a reputation of excellence for providing quality products and superior service. We can work together with you to find the financing option that fits your needs.

​Construction Financing

Apply for financing with new construction or the renovation of your investment or business property.

​Permanent Financing

Choose from short- or long-term permanent financing to acquire property, repay construction financing, or refinance existing debt. Fixed-rate and variable-rate financing is available and can be structured to fit your specific needs.

​Government-Assisted Financing

Receive credit enhancements more easily, thanks to the close relationship M&T has with industrial development and other local and state agencies. If your project has been approved for Industrial Revenue Bonds, it will generally qualify for state and local tax exemptions and reductions.

​Secondary Market Mortgage Financing

Work with M&T’s secondary market capabilities as an alternative to traditional, portfolio-based real estate financing. M&T Realty Capital Corporation–our wholly-owned, full-service mortgage banking company–provides competitive secondary market financing for mortgage loans secured by a variety of property types, including multifamily, health care facilities, office, industrial, retail, hospitality, and student, senior and military housing.

Though there are certain restrictions and limitations in the underwriting and documentation, this financing option can provide a long, fixed-rate term (typically 10 years) on a nonrecourse basis.

Financing options are subject to credit approval and other conditions. All products and services are subject to qualification; fees and restrictions may apply.