M&T Bank SBA Express Loans
M&T Bank made 3,790 SBA Express loans in FY2025 and FY2026 through June 30, 2026, worth $261.0 million. That ranks it number 3 of 812 lenders by loan count, according to SBA's own loan-level data.
What SBA's data shows about M&T Bank
- 65.8% of M&T Bank's SBA Express loans were lines of credit, close to the 75.6% share across all lenders in the same period.
- Its median loan was $40,000, smaller than the $50,000 median across all lenders. 23.5% of its loans were $100,000 or more, against 36.1% across all lenders.
- By borrower: 57.9% went to businesses more than two years old, 1.4% financed a change of ownership, and 13% went to brand-new businesses.
- It lent in 15 states; the largest share, 28.3%, went to New York.
- Its SBA Express volume rose 67% from FY2024 (1,166 loans) to FY2025 (1,946).
Loan sizes
| Amount | Count | Share |
|---|---|---|
| $25,000 or less | 1,504 | 39.7% |
| $25,001 to $50,000 | 807 | 21.3% |
| $50,001 to $100,000 | 794 | 20.9% |
| $100,001 to $150,000 | 262 | 6.9% |
| $150,001 to $250,000 | 362 | 9.6% |
| $250,001 to $350,000 | 41 | 1.1% |
| $350,001 to $500,000 | 20 | 0.5% |
Source: SBA 7(a) FOIA loan-level data, as of June 30, 2026. Loans SBA approved and later cancelled are excluded. Fiscal years run October through September. Window: FY2025 and FY2026 through June 30, 2026.
Where M&T Bank makes SBA Express loans
| State | Loans | Share |
|---|---|---|
| New York | 1,074 | 28.3% |
| Maryland | 744 | 19.6% |
| Pennsylvania | 422 | 11.1% |
| New Jersey | 402 | 10.6% |
| Connecticut | 375 | 9.9% |
Source: SBA 7(a) FOIA loan-level data, as of June 30, 2026. Loans SBA approved and later cancelled are excluded. Fiscal years run October through September. State is where the borrower's business is.
Industries
| Industry | Loans |
|---|---|
| Full-Service Restaurants | 161 |
| Residential Remodelers | 154 |
| Limited-Service Restaurants | 125 |
| Beauty Salons | 110 |
| Landscaping Services | 102 |
Source: SBA 7(a) FOIA loan-level data, as of June 30, 2026. Loans SBA approved and later cancelled are excluded. Fiscal years run October through September.
SBA Express loans by year
| Fiscal year | Loans made |
|---|---|
| FY2020 | 989 |
| FY2021 | 938 |
| FY2022 | 1,164 |
| FY2023 | 1,477 |
| FY2024 | 1,166 |
| FY2025 | 1,946 |
| FY2026 (through June 30, 2026) | 1,844 |
Source: SBA 7(a) FOIA loan-level data, as of June 30, 2026. Loans SBA approved and later cancelled are excluded. Fiscal years run October through September. Every year since FY2020, same counting rules.
If you are considering M&T Bank
M&T Bank sets its own rates, fees and credit standards, inside SBA's caps for SBA Express (see loan terms and requirements). The figures above show what it has approved, not what it will approve next. To compare more than one lender at once, tell us what your business needs.
Lenders with similar SBA Express volume: U.S. Bank, The Huntington National Bank, TD Bank, JPMorgan Chase Bank, Newtek Bank. See the full lender list or program statistics.
Lender: M&T Bank (legal name on SBA's file: Manufacturers and Traders Trust Company), Buffalo, NY, as listed on SBA's loan records. sbaexpress.loans is not a lender and is not affiliated with the U.S. Small Business Administration or with any lender named here. Figures describe loans SBA has already approved. They are not a lender's current credit policy, an offer, or a rate quote.
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