Manufacturers and Traders Trust Company: SBA Lending Profile
Manufacturers and Traders Trust Company is an FDIC-insured bank, headquartered in Buffalo, NY. It is active in 22 states, concentrated around NY, MD, PA. Everything below comes from federal SBA loan records, not from the lender's marketing. This is what it has actually funded.
Loan sizes Manufacturers and Traders Trust Company actually approves
The median SBA approval at Manufacturers and Traders Trust Company is $50,000. The middle 80% of its loans fall between $15,000 and $250,000. The smallest approval on record since 2020 is $5,000 and the largest is $5,000,000. If the amount you need sits far outside that range, this is probably not the right first call, no matter what the website says.
Programs
| Program | Loans FY25-26 | Median size | Median rate | Median term |
|---|---|---|---|---|
| SBA 7(a) | 4,870 | $50K | 10.49% | 10 years |
| 504 first mortgage (third party) | 13 | $480K | n/a | 20 years |
Industries it funds most
| Industry | Loans since 2020 | Share |
|---|---|---|
| Full-Service Restaurants | 486 | 4.4% |
| Residential Remodelers | 374 | 3.4% |
| Limited-Service Restaurants | 362 | 3.3% |
| Landscaping Services | 289 | 2.6% |
| Beauty Salons | 253 | 2.3% |
| All Other Specialty Trade Contractors | 229 | 2.1% |
| General Automotive Repair | 205 | 1.9% |
| Fitness and Recreational Sports Centers | 198 | 1.8% |
| Plumbing, Heating, and Air-Conditioning Contractors | 196 | 1.8% |
| General Freight Trucking, Local | 183 | 1.7% |
| Electrical Contractors and Other Wiring Installation Contractors | 162 | 1.5% |
| Offices of Lawyers | 153 | 1.4% |
Borrower profile
- 36.7% of its recent SBA loans went to startups or businesses under two years old, which is high, most SBA lenders skew heavily toward established companies.
- Collateral was taken on 28.4% of its recent SBA loans.
- 51.3% of its SBA lending is revolving lines of credit rather than term loans.
- 7.5% of its loans carry fixed rates; the rest are variable.
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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. 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 Manufacturers and Traders Trust Company.