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Home › Manchester, NH
Banks in Manchester want perfect credit, three years of tax returns, and months of waiting. We do not. Commercial Loans of Texas is a direct commercial mortgage lender — not a broker — serving New Hampshire borrowers with stated income loans, conventional financing, working capital solutions, and more. If your deal makes sense, we can fund it.
Don't show enough income on your tax returns? Our stated income program uses the property's value and your assets to qualify. Perfect for self-employed borrowers and investors throughout Manchester and New Hampshire.
For borrowers with strong financials, our conventional commercial mortgage program offers competitive rates on office, retail, multifamily, industrial, and mixed-use properties across Manchester, New Hampshire.
Lock in your rate for the long haul. Our 30-year fixed commercial program gives Manchester property owners stable, predictable payments and the benefits of a long amortization — maximizing cash flow.
When your Manchester business needs capital for equipment, payroll, expansion, or inventory, our working capital loans provide fast access to funds — without the red tape of traditional bank financing.
Serving Manchester and all of New Hampshire. Our loan officers understand New Hampshire commercial real estate markets and can structure loans for multifamily, retail, office, industrial, mixed-use, and special-purpose properties throughout Manchester and the surrounding region. While headquartered in Texas, we are licensed to fund commercial loans across New Hampshire with the same speed and flexibility our Texas clients depend on.
What we look at when underwriting a deal here
New Hampshire commercial property is concentrated in the southern tier within commuting distance of Boston — manufacturing, technology, and retail drawing shoppers from neighboring states — alongside tourism and hospitality in the Lakes Region and White Mountains.
New Hampshire has no general sales tax and no broad-based personal income tax on wages, though it does tax business profits. Its property taxes are among the highest in the nation and dominate the operating expense line.
New Hampshire permits power-of-sale foreclosure, which is faster than a judicial process. The state real estate transfer tax is split between buyer and seller and should be modeled on both ends.
General information about the New Hampshire market, not legal or tax advice. Confirm specifics with your own counsel and accountant before closing.
No upfront fees • No obligation • Decision in 48 hours
Mon–Fri 8 AM–6 PM CT | Manchester, New Hampshire | Direct Lender Since 1998
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