Industry-specialized for businesses large and small
M&T Capital and Leasing Corporation, a subsidiary of M&T Bank, is a nationally-ranked, top-20 equipment finance company headquartered in Bridgeport, Connecticut.
Since 1997, our team of experienced professionals has provided individualized equipment finance and specialized lending solutions* that support the goals of growing businesses nationwide. We assist companies in acquiring new and used equipment; restructuring existing financing to minimize interest expense, conserve cash flow and properly reflect all tax considerations. Our activity is focused on transactions over $250,000, with amortization terms that meets your equipment financing needs.
Expertise that Spans Industries
Grow your business with specialized equipment finance solutions
SBA 504 and IRB financing
We have expertise in using various Small Business Administration financing programs and Industrial Development and Revenue Bond structures to best suit your company's capital requirements. Using these programs can result in enhanced full-term cash flow due to longer repayment terms and lower interest expense compared with non-program financing.
Vendor program financing
We offer fully customized vendor/manufacturer programs. The benefits of specially tailored financing programs include:
- Increase in sales
- Ability to facilitate equipment upgrades
- Strengthened customer/vendor relationship
Fixed and floating rates
Our financing can be tailored on a variable or fixed interest rate basis. Unlike many finance companies, we can lock in a fixed rate upon credit approval and hold that rate for approved transactions up to 60 days prior to loan/lease commencement. We can also index the rate using various economic indicators.
Although the requirements for an operating lease are defined using quantitative methods (per the Financial Accounting Standards Board and for financial statement presentation), the IRS criteria rely on general economic risk-and-reward criteria. We work with you and your tax consultants to structure a synthetic lease so that you may enjoy operating leases for GAAP financial presentations and still claim accelerated depreciation for tax purposes.
If equipment purchases are to be financed using “off-balance sheet” criteria, we can help you structure the transaction to conform with Financial Accounting Standards Board and Internal Revenue Service requirements.
Secured loans and finance leases
We specialize in:
- Providing capital loans and finance leases for acquisitions of new and used equipment
- Creatively restructuring existing equipment financings
These financings are executed either in conjunction with a vendor program and/or with our customers directly.
We know you are industry-focused
With an up-to-the-minute perspective on recent events and trends in your sector, we view ourselves not only as a financial services provider, but as an industry partner. Our commitment to the industries we serve is reinforced through active membership in many state, regional and national associations across the country.
We know your business
Our seasoned professionals understand the business challenges you face and our solutions reflect that. Dedicated finance representatives respond to your needs with financing solutions* throughout the life of our relationship. Custom-tailored solutions, backed by in-depth industry knowledge makes the M&T Capital and Leasing Corporation difference.