GOOD
How competitive are their spreads? Lower = better for you.
GOOD
Total SBA loans closed. More deals = more experience.
GOOD
How many industries do they lend in? More = flexible.
WEAK
States where they've done deals. Wider = easier if you're out of state.
Total SBA Loans
338
2012–2026
Total Volume
$246M
Gross loan amounts
States Active
11
With recorded loans
Programs
504
336 total segments
M&T Bank Corporation is a 504-only lender, which means they focus exclusively on real estate and equipment financing rather than working capital. This specialization can be beneficial if you're looking to purchase property or large assets for your business.
With an average deal size of $731,792, M&T Bank Corporation is well-suited for borrowers seeking substantial financing, particularly in the $150K to $1M range where they have completed 196 deals. If your needs fall within this range, they could be a strong option.
M&T Bank Corporation has experienced a 13% decline in year-over-year deal volume, which may indicate a tightening of their lending criteria. If you're considering applying for a loan, be prepared for potentially more scrutiny in the approval process.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 336 504 loans, which use fixed SBA debenture rates.
States where M&T BANK CORPORATION has recorded SBA lending activity.
+ 6 more states
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Restaurants & Food Service
Accommodation & Food Services
Manufacturing
Manufacturing
Specialty Trade Contractors
Construction
Auto Repair & Maintenance
Other Services
Wholesale Trade
Wholesale Trade
Other Health Practitioners
Health Care & Social Assistance
Miscellaneous Retail
Retail Trade
Social Assistance
Health Care & Social Assistance
+ 7 more
All recorded SBA lending activity for M&T BANK CORPORATION, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| New York · Manufacturing · $150K – $350K | 504 | 5 | — | $264K | Q3 2024 |
| New York · Physician & Dental Offices · $500K – $1M | 504 | 5 | — | $688K | Q3 2025 |
| Connecticut · Specialty Trade Contractors · $150K – $350K | 504 | 5 | — | $253K | Q4 2024 |
| New York · Restaurants & Food Service · $350K – $500K | 504 | 5 | — | $371K | Q4 2025 |
| New York · Auto Repair & Maintenance · $150K – $350K | 504 | 4 | — | $224K | Q4 2024 |
| New York · Manufacturing · $500K – $1M | 504 | 4 | — | $685K | Q4 2025 |
| New Jersey · Food & Beverage Stores · $500K – $1M | 504 | 4 | — | $714K | Q3 2025 |
| New York · Manufacturing · $1M – $2M | 504 | 3 | — | $1.1M | Q1 2023 |
| New York · Wholesale Trade · $150K – $350K | 504 | 3 | — | $220K | Q1 2025 |
| New York · Specialty Trade Contractors · $500K – $1M | 504 | 3 | — | $672K | Q1 2025 |
| New York · Restaurants & Food Service · $150K – $350K | 504 | 3 | — | $258K | Q3 2024 |
| New York · Finance & Insurance · $150K – $350K | 504 | 3 | — | $270K | Q2 2025 |
| New York · Restaurants & Food Service · $500K – $1M | 504 | 3 | — | $512K | Q3 2025 |
| Virginia · Manufacturing · $150K – $350K | 504 | 3 | — | $233K | Q1 2020 |
| Maryland · Miscellaneous Retail · $150K – $350K | 504 | 3 | — | $226K | Q2 2025 |
| New York · Arts, Entertainment & Recreation · $150K – $350K | 504 | 3 | — | $238K | Q2 2025 |
| New York · Wholesale Trade · $2M – $5M | 504 | 3 | — | $3.4M | Q4 2024 |
| Maryland · Specialty Trade Contractors · $1M – $2M | 504 | 3 | — | $1.5M | Q4 2021 |
| Maryland · Manufacturing · $500K – $1M | 504 | 3 | — | $775K | Q3 2025 |
| Virginia · Other Repair & Services · $500K – $1M | 504 | 3 | — | $635K | Q4 2023 |
| Maryland · Auto Repair & Maintenance · $150K – $350K | 504 | 2 | — | $212K | Q1 2025 |
| Virginia · Social Assistance · $500K – $1M | 504 | 2 | — | $804K | Q1 2024 |
| Massachusetts · Auto Repair & Maintenance · $500K – $1M | 504 | 2 | — | $791K | Q3 2025 |
| Virginia · Auto Repair & Maintenance · $150K – $350K | 504 | 2 | — | $224K | Q3 2024 |
| New Jersey · Social Assistance · $1M – $2M | 504 | 2 | — | $1.4M | Q2 2024 |
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Real experiences from borrowers who closed SBA loans with M&T BANK CORPORATION.
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