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Manufacturers and Traders Trust Company (NY)

With a community bank approach, M&T Bank helps people reach their personal and business goals with banking, mortgage, loan and investment services.

Administrative Management and General Management Consulting Services Advertising Agencies Agents and Managers for Artists, Athletes, Entertainers, and Other Pub All Other Amusement and Recreation Industries All Other Animal Production All Other Automotive Repair and Maintenance All Other Converted Paper Product Manufacturing All Other Legal Services All Other Miscellaneous Crop Farming All Other Miscellaneous Fabricated Metal Product Manufacturing All Other Miscellaneous Food Manufacturing All Other Miscellaneous Manufacturing All Other Miscellaneous Schools and Instruction All Other Miscellaneous Textile Product Mills All Other Outpatient Care Centers All Other Personal Services All Other Professional, Scientific, and Technical Services All Other Specialty Trade Contractors All Other Travel Arrangement and Reservation Services Amusement Arcades Appliance Repair and Maintenance Architectural Services Audio and Video Equipment Manufacturing Automobile and Other Motor Vehicle Merchant Wholesalers Automotive Body, Paint, and Interior Repair and Maintenance Baked Goods Stores Barber Shops Beauty Salons Beef Cattle Ranching and Farming Beer and Ale Merchant Wholesalers Brick, Stone, and Related Construction Material Merchant Wholesalers Cable Networks Car Washes Carpet and Upholstery Cleaning Services Caterers Child Day Care Services Child and Youth Services Chocolate and Confectionery Manufacturing from Cacao Beans Claims Adjusting Coffee and Tea Manufacturing Coin-Operated Laundries and Drycleaners Collection Agencies Commercial Bakeries Commercial Gravure Printing Commercial Screen Printing Commercial and Industrial Machinery and Equipment (except Automotive a Commercial and Institutional Building Construction Computer Systems Design Services Confectionery and Nut Stores Construction Sand and Gravel Mining Convention and Trade Show Organizers Corrugated and Solid Fiber Box Manufacturing Cosmetics, Beauty Supplies, and Perfume Stores Couriers Custom Architectural Woodwork and Millwork Manufacturing Custom Computer Programming Services Cut Stock, Resawing Lumber, and Planning Cut Stone and Stone Product Manufacturing Data Processing, Hosting, and Related Services Display Advertising Drinking Places (Alcoholic Beverages) Drugs and Druggists' Sundries Merchant Wholesalers Drycleaning and Laundry Services (except Coin-Operated) Drywall and Insulation Contractors Educational Support Services Electric Power Distribution Electrical Contractors Electrical and Electronic Appliance, Television, and Radio Set Merchants Electronic Coil, Transformer, and Other Inductor Manufacturing Electroplating, Plating, Polishing, Anodizing, and Coloring Elementary and Secondary Schools Employment Placement Agencies Engineering Services Environmental Consulting Services Exam Preparation and Tutoring Exterminating and Pest Control Services Fabricated Structural Metal Manufacturing Farm Labor Contractors and Crew Leaders Fiber, Yarn, and Thread Mills Financial Transactions Processing, Reserve, and Clearinghouse Activities Fine Arts Schools Finish Carpentry Contractors Fish and Seafood Merchant Wholesalers Fitness and Recreational Sports Centers Flooring Contractors Flower, Nursery Stock, and Florists' Supplies Merchant Wholesalers Framing Contractors Freight Transportation Arrangement Fresh Fruit and Vegetable Merchant Wholesalers Fruit and Vegetable Markets Full-Service Restaurants General Automotive Repair General Freight Trucking, Local General Freight Trucking, Long Distance, Truckload General Line Grocery Merchant Wholesalers General Medical and Surgical Hospitals Glass and Glazing Contractors Graphic Design Services Hardware Manufacturing Hay Farming Home Furnishing Merchant Wholesalers Home Health Care Services Homes for the Elderly Hotels (except Casino Hotels) and Motels Human Resources and Executive Search Consulting Services Ice Cream and Frozen Dessert Manufacturing Ice Manufacturing Independent Artists, Writers, and Performers Industrial Building Construction Industrial Machinery and Equipment Merchant Wholesalers Inland Water Freight Transportation Insurance Agencies and Brokerages Interior Design Services Investigation Services Iron and Steel Pipe and Tube Manufacturing from Purchased Steel Janitorial Services Jewelry and Silverware Manufacturing Landscape Architectural Services Landscaping Services Limited-Service Restaurants Limousine Service Logging Lumber, Plywood, Millwork, and Wood Panel Merchant Wholesalers Machine Shops Marketing Consulting Services Masonry Contractors Medical Laboratories Metal Service Centers and Other Metal Merchant Wholesalers Mineral Wool Manufacturing Miscellaneous Financial Investment Activities Mobile Food Services Motion Picture and Video Production Motor Home Manufacturing Motor Vehicle Body Manufacturing Motor Vehicle Parts (Used) Merchant Wholesalers Motor Vehicle Supplies and New Parts Merchant Wholesalers Motor Vehicle Towing Mushroom Production Nail Salons New Single-Family Housing Construction (except Operative Builders) Nonupholstered Wood Household Furniture Manufacturing Nursery and Tree Production Nursing Care Facilities Office Machinery and Equipment Rental and Leasing Offices of All Other Miscellaneous Health Practitioners Offices of Certified Public Accountants Offices of Chiropractors Offices of Dentists Offices of Lawyers Offices of Mental Health Practitioners (except Physicians) Offices of Optometrists Offices of Physical, Occupational and Speech Therapists, and Audiologi Offices of Physicians (except Mental Health Specialists) Offices of Physicians, Mental Health Specialists Offices of Podiatrists Offices of Real Estate Agents and Brokers Other Accounting Services Other Activities Related to Real Estate Other Building Equipment Contractors Other Building Finishing Contractors Other Commercial Equipment Merchant Wholesalers Other Commercial and Industrial Machinery and Equipment Rental and Lea Other Computer Related Services Other Construction Material Merchant Wholesalers Other Foundation, Structure, and Building Exterior Contractors Other Grocery and Related Products Merchant Wholesalers Other Heavy and Civil Engineering Construction Other Individual and Family Services Other Management Consulting Services Other Miscellaneous Durable Goods Merchant Wholesalers Other Miscellaneous Nondurable Goods Merchant Wholesalers Other Motor Vehicle Parts Manufacturing Other Personal Care Services Other Personal and Household Goods Repair and Maintenance Other Scientific and Technical Consulting Services Other Services Related to Advertising Other Services to Buildings and Dwellings Other Specialized Design Services Other Support Activities for Road Transportation Other Support Activities for Water Transportation Other Technical and Trade Schools Other Waste Collection Outpatient Mental Health and Substance Abuse Centers Packaging and Labeling Services Paint and Wallpaper Stores Painting and Wall Covering Contractors Passenger Car Rental Payroll Services Pet Care (except Veterinary) Services Pharmacies and Drug Stores Photography Studios, Portrait Piece Goods, Notions, and Other Dry Goods Merchant Wholesalers Plumbing, Heating, and Air-Conditioning Contractors Potato Farming Pottery, Ceramics, and Plumbing Fixture Manufacturing Poultry Processing Poured Concrete Foundation and Structure Contractors Power and Communication Line and Related Structures Construction Process, Physical Distribution, and Logistics Consulting Services Professional and Management Development Training Promoters of Performing Arts, Sports, and Similar Events with Faciliti Promoters of Performing Arts, Sports, and Similar Events without Facil Public Relations Agencies Recreational Vehicle Dealers Remediation Services Residential Mental Health and Substance Abuse Facilities Residential Mental Retardation Facilities Residential Property Managers Residential Remodelers Retail Bakeries Reupholstery and Furniture Repair Roofing Contractors Scenic and Sightseeing Transportation, Water School and Employee Bus Transportation Security Guards and Patrol Services Shellfish Farming Shellfish Fishing Siding Contractors Sign Manufacturing Site Preparation Contractors Snack and Nonalcoholic Beverage Bars Soil Preparation, Planting, and Cultivating Solid Waste Collection Special Needs Transportation Specialized Freight (except Used Goods) Trucking, Local Specialized Freight (except Used Goods) Trucking, Long-Distance Sports and Recreation Instruction Structural Steel and Precast Concrete Contractors Supermarkets and Other Grocery (except Convenience) Stores Support Activities for Animal Production Support Activities for Forestry Surgical Appliance and Supplies Manufacturing Surgical and Medical Instrument Manufacturing Surveying and Mapping (except Geophysical) Services Tax Preparation Services Temporary Help Services Tour Operators Travel Agencies Truck, Utility Trailer, and RV (Recreational Vehicle) Rental and Leasing Used Car Dealers Used Household and Office Goods Moving Veterinary Services Wholesale Trade Agents and Brokers Wine and Distilled Alcoholic Beverage Merchant Wholesalers Wineries Wood Container and Pallet Manufacturing
Change of Ownership
Existing or more than 2 years old
Fixed Rates
Loan Funds will Open Business
New Business or 2 years or less
# Preferred Lenders Program
# SBA Express Program
# Startup
# Variable Rates
SBA Loan Approvals as of 6/30/25 2,390
SBA Loans Total Approval Amount as of 6/30/25 $258,226,900
Average SBA Loan Size as of 6/30/25 $108,045
Average SBA Loan Rate over Prime (Prime is 7%) 3.94
Manufacturers and Traders Trust Company (NY)

Unlock Your Financial Potential with Manufacturers and Traders Trust Company (NY)

Manufacturers and Traders Trust Company — widely recognized as M&T Bank — is a full-service regional bank headquartered in Buffalo, New York, and a top SBA Preferred Lender nationwide. With a deep commitment to supporting small and mid-sized businesses across the Northeast, Mid-Atlantic, and beyond, M&T Bank provides SBA-backed financing and commercial banking solutions built to help you grow with confidence.

Key Features of M&T Bank

  • SBA Preferred Lender: M&T has delegated authority with the SBA, enabling faster decisions and streamlined approvals for SBA loans.
  • SBA Loan Programs: Offers SBA 7(a), 504, and SBA Express loans for working capital, equipment purchases, real estate acquisition, expansion, and business transitions.
  • Robust Business Banking Services: Business checking, treasury management, merchant services, and digital banking tools to support ongoing operations.
  • Large Regional Footprint: Lending support across NY, NJ, PA, MD, DE, CT, MA, VA, DC, WV, and beyond — with local bankers providing market-driven insight.
  • Industry Experience: Strong lending presence in healthcare, contractors/trades, hospitality, retail, logistics, professional services, and manufacturing.

Why Choose M&T Bank for SBA Loans?

As a top SBA lender, M&T Bank combines scale with personal service — offering the financial strength of a major institution with relationship-focused support. Their SBA lending specialists help business owners evaluate loan structures, package applications efficiently, and secure competitive, long-term financing designed to match real business needs.

Whether you’re expanding operations, purchasing equipment, investing in commercial property, or transitioning ownership, M&T Bank provides the expertise and capital to make your next move possible.

How to Get Started

Ready to explore SBA financing or other business lending opportunities? Visit the
M&T Bank SBA Lending page
to view programs and connect with a business lending professional.

Empower your financial future today with M&T Bank — where small businesses find trusted financial partners for growth, stability, and long-term success.

Industry