M&T Bank, founded in 1856 in Buffalo, NY, is among the nation’s 20 largest commercial bank holding companies. Our goal is not to simply meet expectations, but to exceed them. To that end, we offer a full range of commercial banking services.

Our International Trade Finance Group, headquartered in Baltimore, MD, works with both importers and exporters to facilitate the payment of goods. Our products include wire transfers, documentary collections, and letters of credit. For exporters, we can secure short-term receivables through export credit insurance allowing them to borrow against the receivables. We are an active user of the Export-Import Bank’s Working Capital Guarantee Program, enabling us to make working capital loans to exporters. Benefits include aggressive advance rates of up to 75% against inventory, including work-in-process, and 90% against foreign accounts receivable. Support for standby letters of credit is also available with a 25% collateral requirement.

We are also one of the most active users of the Export-Import Bank’s programs that provide financing to foreign buyers of U.S capital goods and services. Our active markets include Mexico, Central and South America, India, Russia and Turkey. We specialize in doing deals that are too small for the major money-center banks.

Through our partnership with the U.S. Commercial Service (CS), we hope to reach many U.S. small and medium-sized businesses informing them of our products and how the CS can increase their export business. The goal is to increase exports with safe and secure payment mechanisms. Through CS supported seminars in foreign countries such as Mexico and India, we hope to generate orders for U.S. capital goods and services with term financing from M&T Bank, guaranteed by the Export-Import Bank.