New Hampshire’s commercial real estate market benefits from its tax-advantaged position — no income tax and no sales tax attract businesses and residents from high-tax neighboring states. Manchester and Nashua have emerged as strong commercial markets driven by tech companies, healthcare, and professional services. The seacoast region supports retail and hospitality investment.
Commercial Loans of Texas is a direct lender headquartered in Magnolia, TX, serving New Hampshire and 43 other states nationwide. We make our own credit decisions — no broker, no middleman, no surprises at closing. Our borrowers in New Hampshire typically close in 5–15 business days.
Commercial Loan Programs Available in New Hampshire
We offer every major commercial loan program in New Hampshire, from fast hard money loans to long-term 30-year fixed financing. Most programs require no tax returns and no upfront fees.
- Hard Money Loans — Asset-based lending up to 70% LTV. No income docs. Close in 5–10 business days. Ideal for acquisitions, fix-and-flip, and value-add commercial properties in New Hampshire.
- DSCR Loans — Qualify on the property’s rental income, not your W-2 or tax returns. Great for investment properties and landlords across New Hampshire.
- Stated Income Commercial Loans — No tax returns required on most programs. Built for self-employed borrowers, business owners, and investors in New Hampshire.
- SBA 7(a) and SBA 504 Loans — Government-backed financing for owner-occupied commercial real estate and business acquisitions. Available statewide in New Hampshire.
- Bridge Loans — Short-term capital to close quickly while permanent financing is arranged. Common in competitive New Hampshire markets.
- Construction Loans — Ground-up construction and major renovation financing for commercial projects throughout New Hampshire.
- Multifamily Loans — 5+ unit apartment financing with competitive rates, available in every market in New Hampshire.
- 30-Year Fixed Commercial Loans — Long-term, fixed-rate commercial financing for stabilized investment properties.
Property Types We Finance in New Hampshire
- Office buildings and medical office
- Retail strip centers and single-tenant NNN properties
- Industrial, warehouse, and flex space
- Multifamily (5+ units) and mixed-use buildings
- Self-storage facilities
- Hotels, motels, and short-term rental properties
- Church and faith-based properties
- Special use and non-warrantable properties
- Land and ground-up development
Loan Terms for New Hampshire Borrowers
| Feature | Details |
|---|---|
| Loan Amounts | $150,000 – $5,000,000+ |
| Max LTV | Up to 70–75% depending on program |
| Loan Term | 12 months to 30 years |
| Income Docs | None required on most programs |
| Min Credit Score | 600+ (some programs lower) |
| Closing Time | 5–15 business days typical |
| Upfront Fees | None |
| States | 43 states including New Hampshire |
Cities We Serve in New Hampshire
We lend on commercial properties throughout New Hampshire, including Manchester, Nashua, Concord, Dover. If the property is in New Hampshire — urban, suburban, or rural — we can structure a loan for it. Contact us for a same-day quote regardless of location within the state.
Why New Hampshire Borrowers Choose Us Over Local Banks
Local banks in New Hampshire are often slow, require mountains of documentation, and reject borrowers who don’t fit a narrow qualification box. We work differently.
- Direct lender since 1998 — We fund our own loans. No brokers, no referral fees passed to you, no committee approval delays.
- Same-day response — Submit your deal and hear back from a decision maker within hours, not days or weeks.
- No upfront fees — We never charge application fees, processing fees, or due diligence fees before closing.
- No tax returns on most programs — We qualify based on the asset and its income, not your personal tax history.
- Fast closings — Most New Hampshire commercial loans close in 5–15 business days from application to funding.
- Common-sense underwriting — We look at the deal, not just the borrower’s credit file. If the property makes sense, we find a way to fund it.
Frequently Asked Questions — Commercial Loans in New Hampshire
Do I need a New Hampshire business entity to get a commercial loan?
No. You can borrow as an individual, LLC, corporation, or partnership. Most investors use an LLC for liability protection, but it is not required to qualify. We lend to all entity types in New Hampshire.
How fast can you close a commercial loan in New Hampshire?
Most New Hampshire commercial loans close in 5–15 business days from application to funding, depending on the program and how quickly the appraisal is completed. Hard money loans can sometimes close in as little as 5 business days. We provide a same-day term sheet so you know exactly where you stand.
What Commercial Loan Programs Work Best in New Hampshire?
DSCR and bridge loans are popular in New Hampshire for multifamily and commercial investment properties. Hard money loans are used for value-add acquisitions in Manchester and Nashua. SBA loans work well for New Hampshire’s small business community, particularly in retail and professional services.
What is the minimum loan amount for commercial loans in New Hampshire?
Our minimum loan amount is $150,000 for commercial properties in New Hampshire. There is no maximum — we have closed loans well above $5 million. For deals under $150,000, we can sometimes make exceptions depending on the property type and location.
Ready to get a commercial loan in New Hampshire? Apply online here or call us at 877-895-3634. Same-day response, no credit pull, no upfront fees. We have been closing commercial loans since 1998 and we know how to get difficult deals done.
Commercial Loans by City in New Hampshire
We lend in every market in New Hampshire. Here is an overview of our activity in the state’s major commercial real estate markets.
Commercial Loans in Manchester, New Hampshire
Manchester is New Hampshire’s largest city and commercial hub, with demand anchored by healthcare, professional services, and a growing tech sector. Multifamily and office properties are most active. Bridge and DSCR loans are popular for Manchester’s investment property market.
Commercial Loans in Nashua, New Hampshire
Nashua benefits from its proximity to the Massachusetts border, attracting businesses and residents seeking lower taxes without leaving the Boston metro orbit. The commercial market is particularly active for industrial, office, and multifamily properties. Hard money and stated income loans are popular for Nashua’s investor community.
Commercial Loans in Concord, New Hampshire
Concord is New Hampshire’s state capital with commercial demand anchored by state government, healthcare, and insurance. Retail and office properties near the State House are consistently occupied. SBA loans are popular for Concord’s small business community.
Commercial Loans in Dover, New Hampshire
Dover is Delaware’s state capital, with commercial demand driven by state government employment, Dover Air Force Base, and healthcare. Retail and office properties near the Legislative Mall see consistent occupancy. SBA loans are popular for small businesses serving the government and military community.