Small Business Loans

Borrow with confidence from a top-7 SBA lender. We've helped countless small businesses get the funding they need to succeed.

According to statistics released by the U.S. Small Business Administration (SBA) for total approved loans through the SBA's 7(a) lending program during the federal fiscal year ending 9/30/2021.

Work with a top 7 national Small Business Administration (SBA) lender.

M&T Bank proudly partners with the SBA to provide the right loan products to businesses that may not qualify for traditional financing. SBA Loans, which are guaranteed by the Small Business Administration, typically provide lower monthly payments for small businesses by offering longer loan terms.

When you work with M&T Bank, not only will you benefit from local decision-making, you’ll have one of the nation’s leading SBA lenders on your side. In fact, we're the top-ranked SBA lender in Baltimore, D.C., Philadelphia, Delaware, and Buffalo/Rochester.

Prompt loan processing and fast response allow us to help you find a solution that fits your business.

Small Business Administration (SBA) Financing Solutions

According to statistics released by the U.S. Small Business Administration (SBA) for total approved loans through the SBA's 7(a) lending program during the federal fiscal year ending 9/30/2021.
According to statistics released by the U.S. Small Business Administration (SBA) for total approved loans through the SBA's 7(a) lending program during the federal fiscal year ending 9/30/2021.

SBA Express Loan

  • Purpose:  Working capital, equipment purchases, business acquisition
  • Credit Size: Lines of credit or term loans up to $350,000
  • Features: Accelerated process to help small businesses grow faster

SBA 7(a) Loan

  • Purpose: Business acquisition, start-up financing, purchase real estate
  • Credit Size: Term loans up to $5,000,000
  • Features: Options to help businesses grow while improving cash flow with longer term financing options (Up to 10 years for non-real estate secured; up to 25 years for real estate secured)

You can find more information on SBA loans and resources for your business at SBA.gov

SBA Paycheck Protection Program

We're proud to have helped more than 35,000 businesses with over $7B in much-needed PPP funding. 

M&T has the resources you need to understand the loan forgiveness portion of the Paycheck Protection Program.  Learn More >

What is the U.S. Small Business Administration (SBA)?

The U.S. Small Business Administration (SBA) is a federal government agency that provides lenders, like M&T Bank, with guarantees on small business loans, for use in instances where the business may not otherwise qualify for conventional credit.

Some examples of when guarantees are required are:

  • In business less than 2 years
  • High risk industries
  • Collateral shortfalls
  • Longer maturity than conventional credit offers

Why choose M&T Bank for SBA financing solutions?

M&T Bank is nationally recognized as a Top 5 SBA Lender with delegated authority by the Small Business Administration (SBA) to approve loans. This demonstrates that we possess the knowledge and expertise to assist small businesses in obtaining access to capital for their business quickly and efficiently.

According to statistics released by the U.S. Small Business Administration (SBA) for total approved loans through the SBA's 7(a) lending program during the federal fiscal year ending 9/30/2021.

What’s the first step in applying for an SBA loan?

Schedule An Appointment at your local branch or meet with your Relationship Manager. 

After credit approval is received from underwriting, the approval is contingent on the SBA guaranty. We have a dedicated team of SBA Lending Specialists that will help you fulfill the SBA’s loan application requirements. Once SBA eligibility is confirmed, an SBA authorization is issued, you proceed to closing/disbursement.

How long does the application process take? When can we close?

An SBA Lending Specialist will provide you with the SBA Requirements needed to complete the SBA process. 

Once all documentation is submitted, SBA authorization is typically provided within 2-3 business days, which is followed by closing/disbursement.

All loans and lines of credit are subject to receipt of a complete M&T application, credit approval and other conditions.
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 full details.