M&T Bank Corporation: SBA Lending Profile
M&T Bank Corporation is a bank that funds the first-mortgage portion of SBA 504 projects, headquartered in BUFFALO, NY. It is active in 13 states, concentrated around NY, VA, NJ. Everything below comes from federal SBA loan records, not from the lender's marketing. This is what it has actually funded.
Loan sizes M&T Bank Corporation actually approves
The median SBA approval at M&T Bank Corporation is $550,000. The middle 80% of its loans fall between $200,000 and $1,809,047. The smallest approval on record since 2020 is $102,500 and the largest is $9,520,000. If the amount you need sits far outside that range, this is probably not the right first call, no matter what the website says.
Industries it funds most
| Industry | Loans since 2020 | Share |
|---|---|---|
| Full-Service Restaurants | 14 | 5.2% |
| General Automotive Repair | 10 | 3.7% |
| Child Day Care Services | 10 | 3.7% |
| Offices of Lawyers | 9 | 3.3% |
| Offices of Certified Public Accountants | 6 | 2.2% |
| All Other Specialty Trade Contractors | 6 | 2.2% |
| Offices of Mental Health Practitioners (except Physicians) | 6 | 2.2% |
| Breweries | 5 | 1.9% |
| Limited-Service Restaurants | 5 | 1.9% |
| Offices of Dentists | 4 | 1.5% |
| Offices of Physicians (except Mental Health Specialists) | 4 | 1.5% |
| Landscaping Services | 4 | 1.5% |
Conventional small business lending, beyond SBA
SBA loans are a fraction of most banks' small business lending. Under the Community Reinvestment Act, M&T Bank Corporation reported 12,403 small business loan originations in 2024, totaling $1.2B, at an average of about $99K per loan across 31 states. 69.4% of those loans went to businesses with under $1M in annual revenue.
Borrower profile
- only 11.9% of its recent SBA loans went to startups, this lender works almost entirely with established businesses.
- Collateral was taken on 98.9% of its recent SBA loans.
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Sources and limits. Figures are derived from U.S. Small Business Administration 7(a) and 504 FOIA loan-level records (data as of 2026-06-30, retrieved 2026-08-08) and FDIC public institution data. Conventional small business lending figures from FFIEC CRA disclosure data (2024 activity year); CRA loan counts include business credit card originations at some institutions. They describe past lending activity only. They are not rate quotes, not current offers, and not an indication that any business will qualify. Lender programs and criteria change. Big Brain Funding is not affiliated with or endorsed by M&T Bank Corporation.