Municipal Project Lines of Credit

Our lines of credit can help municipalities secure fiscally responsible financing – whether your organization is experiencing growth or building infrastructure.

Flexible Financing for Municipalities

Each year, municipalities count on M&T Bank for assistance with a variety of financial planning issues. They choose solutions like the interim line of credit to help manage cash flow and cover short-term funding needs.


  • Taxable and tax-free, variable-rate lines of credit
  • Multi-year terms
  • Several line advance options
  • A variety of payment options
  • Permanent financing for water and sewer projects ​

Local Experience You Can Rely On

Timing and flexibility are key components of interim financing. Once your permanent financing is in place from a variety of government agencies – including your state-specific resources and other federal sources like USDA – your local M&T Government Banker will work closely with your organization to determine project timeframes and potential interim funding needs. Our responsive, customized approach will help ensure that the right funding is in place if and when you need it.

Find out how we can help.

To learn more about M&T's lines of credit for municipal organizations, please contact your M&T Government Banker directly.

All loans and lines of credit and all terms referenced are subject to 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.