NH · State guide

Business loans in New Hampshire

New Hampshire businesses can reach three separate pools of money: lenders that publish availability here, the state's own financing programs, and federal SBA lending through local participants. We have 9 state programs on file with published terms.

4 cities covered Checked 14 Sep 2026
Get funding in New Hampshire See the shortlist

Where to start in New Hampshire

No lender here publishes a state-by-state availability list naming NH, so this is the directory ranked by how much each one puts on the record. Absence from a list nobody publishes means nothing.

  1. 100%

    Forward Financing

    $5K – $500K Same day Credit from 500
    9/9 on the record
  2. 100%

    ROK Financial

    $10K – $5M 1-3 days Credit from 500
    9/9 on the record
  3. 100%

    South End Capital

    $1K – $5M Same-day funding available Credit from 650
    9/9 on the record
  4. 89%

    Bizcap US

    Up to $2M Same day Credit from 550
    8/9 on the record
  5. 89%

    ByzFunder

    Up to $500K Same day Credit from 525
    8/9 on the record
  6. 89%

    Fora Financial

    $5K – $1.5M As little as 24 hours Credit from 570
    8/9 on the record
  7. 89%

    Fox Business Funding

    Up to $1M As little as 2 business days Credit from 550
    8/9 on the record
  8. 89%

    National Funding

    $6K – $500K As fast as 24 hours Credit from 600
    8/9 on the record
  9. 89%

    Straight Line Source

    Partner
    $5K – $10M Same day Credit from 500
    8/9 on the record
  10. 78%

    Biz2Credit

    $25K – $2M Decision as fast as 24 hours Credit from 650
    7/9 on the record
  11. 78%

    CAN Capital

    $2K – $400K As fast as the next business day Credit from 600
    7/9 on the record
  12. 78%

    Credibly

    $5K – $10M As fast as 4 hours after approval Credit from 550
    7/9 on the record
published not published Ordered by disclosure, not by what anyone pays us. The score is a count of what a lender publishes, not a rating of the lender.

What New Hampshire itself funds

Capital Access Program (CAP)Administered by New Hampshire Business Finance Authority, delivered through participating banks and financial institutions. Credit enhancement for small business term loans and lines of credit via a lender loan loss reserve. Owner-occupied real estate is eligible; residential real estate is not. Published amounts: Verbatim from the page: "Our CAP program provides a 100% guarantee on term loans and lines of credit up to $500,000." / "Total CAP loan enrollment may not exceed $500,000" / "The maximum CAP enrollment amount is $200,000 per borrower." / "New businesses must contribute 20% cash equity" / "The lender chooses between 3% and 4% of the loan balance to be contributed to the CAP fund at closing, chargeable to the borrower. The BFA matches that amount 2.5 times and deposits the resultant amount in the loan loss reserve funds with the lending institution." / "The BFA charges no application fee for any program." / "Lines of credit enrolled in the CAP program must be brought to a zero balance for 30 days once per year." Eligibility as published: Annual revenues under $5 million. New businesses must contribute 20% cash equity. Non-profits and start-ups are eligible (with the equity requirement for start-ups). Prohibited industries include those involved in illegal activity, commodity trading, financial instruments, pyramid sales, or primary lending activities.
Loan Guarantee ProgramAdministered by New Hampshire Business Finance Authority, in partnership with participating lenders. Credit enhancement through guarantees on lines of credit and term loans for established New Hampshire companies planning operational growth. Residential real estate is ineligible. Published amounts: Term loans: "up to a 90% guarantee" with no maximum dollar amount. Lines of credit: "up to a 75% guarantee" with a maximum of $2,000,000. Guarantee fee equals "1% of the guaranteed portion of the loan", assessed at closing and annually thereafter. Eligibility as published: Minimum of 20 employees at closing. Term loans require "an 80% or better loan-to-value as evidenced by a recent appraisal". Lines of credit must be secured by accounts receivable, inventory and/or fixed assets. Non-profits qualify if they meet other requirements. Start-ups are technically eligible but rarely approved due to credit and collateral gaps.
Loan Participation ProgramAdministered by New Hampshire Business Finance Authority, with the borrower's bank. Commercial real estate, equipment and working capital for business purposes. Excludes passive real estate, business acquisitions and owner cash-outs. Published amounts: BFA participation of $100,000 to $5,000,000; maximum total loan size $20,000,000. One-time 1% fee at closing calculated on the BFA's participation amount. "Zero interest is charged in the first year, and reduced interest for the second year". Participations are "subordinated to the bank" and lenders can cancel with "no fees or penalties". Eligibility as published: Loan must serve a business purpose. Non-profits eligible if they meet other criteria. Start-ups are not eligible. "No fixed collateral requirements".
Direct Financing (Gap Financing)Administered by New Hampshire Business Finance Authority, in partnership with New Hampshire's Regional Development Corporations (RDCs). Direct BFA loans to "fill these gaps" where a business needs financing beyond what a traditional bank will offer. Residential real estate is excluded. Published amounts: Typical range $10,000 to $1,000,000; the page's own FAQ separately states transactions "typically range between $50,000 and $2,000,000". Interest rates are "marginally higher than a conventional bank loan" because these are riskier credits. Collateral requirements are case-by-case with no fixed minimum. Eligibility as published: Varies by Regional Development Corporation. Non-profits are eligible if they meet other requirements. Start-ups are technically eligible but typically do not meet underwriting standards. No fixed job creation requirements.
Temporary LoansAdministered by New Hampshire Business Finance Authority. "direct loans from the BFA to cover temporary expenses" - short-term financing to bridge cash flow gaps. Published amounts: Minimum $100,000; maximum "$2,000,000"; maximum term "three years". "Amortization schedules can be flexible, and loans are able to take a second position behind the company's primary lender". Interest rates are not published. Eligibility as published: Minimum loan size of $100,000. Both nonprofit and for-profit organizations qualify. Borrowers must demonstrate repayment capacity. No minimum collateral requirements.
Business Energy LoansAdministered by New Hampshire Business Finance Authority. Energy efficiency improvements including insulation, lighting upgrades, efficient manufacturing equipment, and alternative energy conversions. Published amounts: Minimum $100,000; maximum $1,000,000 (exceptions available). Interest rates vary with market conditions and are "typically in-line with current commercial lending rates charged by New Hampshire banks". Repayment terms "are matched to the energy savings expected by the project". No application fees. Eligibility as published: Minimum loan size of $100,000. For-profit and nonprofit organizations both qualify. Proceeds must be used for energy-saving initiatives. Borrower must demonstrate ability to repay. No minimum collateral requirements. Residential real estate is ineligible. Requires a third-party energy audit documenting projected savings.
C-PACER (Commercial Property Assessed Clean Energy and Resiliency)Administered by New Hampshire Business Finance Authority, with private capital providers and participating municipalities. "clean energy systems (like solar), energy efficiency upgrades (like insulation or HVAC), resiliency measures (like flood mitigation), and water conservation systems." Financing can cover equipment, materials, labor, engineering, permits and financing costs. Published amounts: Financing of "up to 35% of the appraised property value", repaid via "a special assessment lien (a charge) imposed on the property" which transfers to a new owner if the property is sold before full repayment. Eligibility as published: Property must be in a municipality that has adopted a C-PACER ordinance. Eligible properties are those "used or zoned for residential, commercial, industrial, or other uses" except residential properties with fewer than five units. Any business type, corporation, individual or nonprofit may own an eligible property.
Early Stage CapitalAdministered by New Hampshire Business Finance Authority, investing through partner funds. "Start-up capital for New Hampshire's future leading companies" - the BFA invests into partner funds rather than directly into companies. Published amounts: The Granite Fund: "$4,500,000" BFA investment. Vox Health Fund: "Actively making new investments". Millworks Fund II: "Investing $600,000 per year" through accelerator programs. Eligibility as published: Not published on the BFA page; "Applications for investment are made through the partners below."
Bond FinancingAdministered by New Hampshire Business Finance Authority. Tax-exempt bonds for building acquisition, renovation, construction, and equipment purchases.

What we could not confirm

CENSUS: All four QuickFacts values present, none suppressed as 'X'. SSBCI: NOT VERIFIED FROM AN OFFICIAL SOURCE - allocation left null. New Hampshire does not appear in Treasury press release jy1007 (which covered Alaska, Idaho, Iowa, Massachusetts, Missouri, Minnesota, Nebraska, Nevada, New Mexico, Ohio and Utah), no per-state Treasury PDF was found at the naming pattern that worked for Montana, Treasury's Capital Program Summaries page truncated mid-Georgia on every fetch, the NH BFA site search for 'SSBCI' returned only board agendas and minutes with no visible figure, and neither nhbfa.com nor nheconomy.com publishes an allocation. A third-party source, Venturize (Small Business Majority), states New Hampshire's allocation is "$61.50M" administered by the New Hampshire Business Finance Authority across five finance programs - three loan participation programs, one loan guarantee program and one capital access program (https://venturize.org/access-capital/ssbci-programs/new-hampshire). That figure is recorded here only as an unverified third-party datapoint and is deliberately NOT placed in the allocation field. Note that the BFA's own CAP, Loan Guarantee and Loan Participation pages make no mention of SSBCI, so the mapping between BFA products and SSBCI funding could not be confirmed. AGENCY: New Hampshire splits the role - the BFA is the state's business financing arm (a public body corporate), while the Department of Business and Economic Affairs (https://www.nheconomy.com/) is the economic development agency but publishes no direct business lending programs of its own; its /grants-and-financing path returns 404. The NH Community Development Finance Authority (https://nhcdfa.org/) was checked and runs a Tax Credit Program, a Community Development Fund and the GO-NORTH rural health infrastructure program, all community/nonprofit oriented rather than small-business lending, so it is not itemized. CONFLICTING FIGURES ON OFFICIAL PAGES: the CAP page states both a $500,000 and a $200,000 per-borrower cap, and the Direct Financing page states both a $10,000-$1,000,000 and a $50,000-$2,000,000 typical range; in each case both figures are recorded verbatim in amount_range rather than one being chosen. PARTIALLY CLOSED: the Early Stage Capital page still lists The Granite Fund, which it describes as fully invested. CITIES: populations are 2020 decennial census counts. New Hampshire has only 13 cities, so towns are included (each flagged in county_note). The municipalities table has 234 rows; an initial fetch was re-queried against ~36 named near-threshold towns to catch silent truncation, which surfaced Hollis (8,342) and Bow (8,229) that the first pass had missed. Verified below the cutoff and correctly excluded: Plaistow 7,830, Gilford 7,699, Stratham 7,669, Belmont 7,314, Swanzey 7,270, Pembroke 7,207, Epping 7,125, Atkinson 7,087.

Cities in New Hampshire

ConcordDerryDoverManchester

More for New Hampshire

GuideSmall business funding in New Hampshire: a state guarantee that covers the whole loan New Hampshire's business finance authority offers a 100 percent guarantee on qualifying term loans and lines, funded by a matched loss reserve.

Business funding in New Hampshire — common questions

Can I get business funding in New Hampshire?

Yes. 12 funders in this directory serve businesses in New Hampshire, and 0 of them name New Hampshire explicitly in their published availability rather than being included by default.

Does New Hampshire require lenders to disclose the cost of business financing?

New Hampshire's position is set out on this page. As of 2026 only a small number of states require a commercial financing disclosure, and in the rest you will not receive one — which means you have to ask for the total dollar cost, the term and every fee in writing yourself.

Are there state programmes for small business capital in New Hampshire?

3 state-level programmes are recorded here with a link to the administering agency. Programmes open and close, so confirm the current position on the agency's own site before relying on one.

Is a merchant cash advance legal in New Hampshire?

Commercial financing generally sits outside the consumer credit rules most people have heard of, and most state usury caps do not reach business-purpose transactions. What varies is disclosure, broker registration and lender licensing. This is general information, not legal advice for your situation.

How do I check for liens filed against my business in New Hampshire?

Through New Hampshire's UCC filing office, which is named on this page. Search your exact registered entity name — a filing under a slightly different name will not come back, and neither will a stale one nobody terminated.

Which lenders will not fund in New Hampshire?

Where a funder publishes an excluded-states list, this page shows it. Many publish nothing, which is not the same as being available — it means you have to ask.

Does being based in New Hampshire change what I pay?

Not directly in most cases. What changes is what you are told before you sign, and what recourse you have afterwards, both of which depend on your state's rules and on the jurisdiction clause in the contract.

What should I have ready before applying?

Three months of business bank statements, your time in business from a verifiable date, average monthly deposits, your entity's good standing, and a clear figure for what you need and what for.

How current is this page?

Every figure carries the date it was checked. Where a check has passed its review date the page says so rather than presenting as current.