Searching for trusted New Hampshire SBA lenders to power your business growth? Our comprehensive directory connects New Hampshire entrepreneurs with approved SBA loan providers throughout Manchester, Nashua, Concord, Portsmouth and across the state. Whether you’re exploring SBA 7(a) loans, 504 loans, microloans, or disaster assistance, our list features the most active small business lenders with competitive rates and flexible terms for New Hampshire businesses. Discover which local banks, credit unions, and financial institutions participate in Small Business Administration lending programs, compare their requirements, and find the ideal financing partner to help your New Hampshire small business thrive in the Granite State’s resilient economic landscape.
| LENDERS | PHONE | WEBSITE |
|---|---|---|
| Ascendus | 866-245-0783 | ascendus.org |
| Bangor Savings Bank | 603-237-5551 | bangor.com |
| Bank of America | 877-249-3473 | bankofamerica.com |
| Bank of New England | 603-894-5700 | bankofnewengland.com |
| Bank of New Hampshire | 603-524-1212 | banknh.com |
| BankProv | 603-488-6400 | bankprov.com |
| Bar Harbor Bank & Trust | 603-863-5772 | bhbt.com |
| Bellwether Community CU | 603-645-8181 | bccu.org |
| Cambridge Trust Co. | 603-433-9611 | optimabank.com |
| Camden National Bank | 603-716-2404 | camdennational.com |
| Citizens Bank | 603-634-7655 | citizensbank.com |
| Claremont Savings Bank | 603-542-7711 | claremontsavings.com |
| Digital Federal CU | 800-328-8797 | dcu.org |
| Eastern Bank | 603-647-4446 | easternbank.com |
| Enterprise Bank & Trust Co. | 877-671-2265 | enterprisebanking.com |
| Farm Credit East | 603-472-3554 | farmcrediteast.com |
| First Seacoast Bank | 603-742-4680 | fsbdover.com |
| Franklin Savings Bank | 603-934-4445 | fsbnh.bank |
| Granite State CU | 603-668-2221 | gscu.org |
| Haverhill Bank | 978-374-0161 | haverhillbank.com |
| Holy Rosary Credit Union | 603-332-6840 | hrcu.org |
| Jeanne D’Arc Credit Union | 978-452-5001 | jdcu.org |
| Kennebunk Savings Bank | 603-766-6455 | kennebunksavings.com |
| Ledyard National Bank | 603-298-9444 | ledyardbank.com |
| Live Oak Company | 910-790-5867 | liveoakbank.com |
| Lowell Five Cent Savings Bank | 603-888-5310 | lowellfive.com |
| M&T Bank | 603-621-5846 | www3.mtb.com |
| Mascoma Bank | 603-448-3650 | mascomabank.com |
| Members First CU | 603-622-8781 | membersfirstnh.org |
| Meredith Village Savings Bank | 603-279-7986 | mvsb.com |
| Merrimack County Savings Bank | 603-225-2793 | themerrimack.com |
| Merrimack Valley Federal CU | 800-356-0067 | mvcu.com |
| Millyard Bank | 603-882-6500 | millyardbank.com |
| Navy Federal CU | 877-418-1462 | navyfederal.org |
| NBT Bank | 603-623-1433 | nbtbank.com |
| Newburyport Bank | 844-639-3483 | newburyportbank.com |
| Northeast Bank | 800-284-5989 | northeastbank.com |
| Northeast CU | 603-436-1847 | necu.org |
| Northway Bank | 603-752-1171 | northwaybank.com |
| Partners Bank | 888-226-5747 | partners.bank |
| Passumpsic Savings Bank | 603-788-4715 | passumpsicbank.com |
| Pentucket Bank | 603-893-3588 | pentucketbank.com |
| Piscataqua Savings Bank | 603-436-5250 | piscataqua.com |
| Primary Bank | 603-310-7200 | primarybanknh.com |
| Profile Bank | 603-332-2610 | profilebank.com |
| Radius Bank | 603-560-4442 | radiusbank.com |
| Salem Co-operative Bank | 603-898-2153 | salemcoop.com |
| Salem Five Bank | 800-850-5000 | salemfive.com |
| Santander Bank | 877-768-2265 | santanderbank.com |
| Savings Bank of Walpole | 603-756-4771 | walpolebank.com |
| Service CU | 800-936-7730 | servicecu.org |
| St. Mary’s Bank | 603-669-4600 | stmarysbank.com |
| Sugar River Bank | 603-863-3000 | sugarriverbank.com |
| TD Bank | 603-433-2880 | tdbank.com |
| Triangle CU | 603-889-2470 | trianglecu.org |
| Union Bank | 603-444-7136 | unionbank.com |
| Webster Bank | 800-482-2220 | websterbank.com |
| Wells Fargo Bank, NA | 612-667-2753 | wellsfargo.com |
| Woodsville Guaranty Savings Bank | 603-747-2735 | theguarantybank.com |
| CERTIFIED DEVELOPMENT CO. (CDC) | ||
| Bay Colony | 888-355-6663 | baycolony.org |
| Capital Regional Development Council | 603-228-1872 | crdc-nh.com |
| Granite State Economic Development Corp. | 603-436-0009 | granitestatedev.com |
| New England Certified Development Corp. | 617-965-8700 | nedevelopment.com |
| MICROLENDER/ALTERNATIVE | ||
| Regional Economic Development Center | 603-772-2655 | redc.com |
| Ascendus | 866-245-0783 | ascendus.org |
| COMMUNITY ADVANTAGE (CA) | ||
| Strafford Economic Development Corporation | 603-749-2211 | sedcnh.org |
Frequently Asked Questions
Q: What are SBA loans and how do they work in New Hampshire?
A: SBA loans are government-backed loans provided through approved lenders in New Hampshire. The Small Business Administration guarantees a portion of the loan, reducing risk for lenders and allowing them to offer more favorable terms to New Hampshire small businesses. The lender provides the funds while the SBA guarantees repayment up to a certain percentage, typically 75-85% depending on the program. This structure enables New Hampshire entrepreneurs to access capital with lower down payments, longer repayment terms, and competitive interest rates compared to conventional business loans.
Q: What types of SBA loans are available to New Hampshire businesses?
A: New Hampshire businesses can access various SBA loan programs including:
- SBA 7(a) loans: The most common program for general business purposes with loans up to $5 million
- SBA 504 loans: For major fixed asset purchases like real estate or equipment
- SBA Microloans: Smaller loans up to $50,000 for startups and smaller businesses
- SBA Express loans: Faster approval process with loans up to $500,000
- SBA Disaster loans: Special assistance for businesses affected by declared disasters
Q: What are the minimum requirements to qualify for an SBA loan in New Hampshire?
A: To qualify for an SBA loan in New Hampshire, businesses typically need:
- For-profit operation based in New Hampshire
- Owner-occupied (not primarily for investment)
- Good personal credit (typically 650+ FICO score)
- Sufficient cash flow to support loan payments
- No recent bankruptcies, foreclosures, or defaults on government loans
- Reasonable owner equity investment (typically 10-30% depending on the program)
- Operating history of at least 2 years (though some lenders work with startups)
Q: How do New Hampshire SBA lenders support businesses in the advanced manufacturing and technology sectors?
A: New Hampshire’s strong manufacturing and technology presence has created specialized SBA lending expertise in these sectors. Several New Hampshire lenders have developed industry-specific loan packages designed for precision manufacturers, aerospace suppliers, defense contractors, and technology innovators. These lenders understand the unique capital needs, equipment requirements, and growth trajectories of these businesses and can structure loans accordingly. Some New Hampshire SBA lenders coordinate with organizations like the New Hampshire Manufacturing Extension Partnership and the New Hampshire High Technology Council to provide comprehensive support. These specialized lending programs have helped strengthen New Hampshire’s advanced manufacturing ecosystem by financing businesses that support major employers like BAE Systems, Sig Sauer, and Hypertherm, with particular attention to helping manufacturers adopt new technologies and production methods that improve efficiency and create higher-skill employment opportunities throughout the state’s industrial corridors from the Seacoast to the Merrimack Valley.
Q: Are there special SBA loan programs for New Hampshire’s tourism and hospitality businesses?
A: Yes, New Hampshire’s tourism strength has influenced local SBA lending practices. Several New Hampshire lenders offer tailored loan packages for hotels, restaurants, ski resorts, outdoor recreation providers, and tourism service businesses. These lenders understand the seasonal nature of tourism in New Hampshire and can structure loans with flexible payment schedules aligned with visitor patterns. Some New Hampshire SBA lenders coordinate with organizations like the New Hampshire Lodging & Restaurant Association and the New Hampshire Division of Travel and Tourism Development to provide comprehensive support. These specialized lending programs have helped strengthen New Hampshire’s tourism economy by financing businesses that enhance visitor experiences from the White Mountains to the Lakes Region to the Seacoast, with particular attention to helping seasonal businesses manage cash flow through New Hampshire’s distinct tourism cycles. As tourism continues evolving toward year-round experiences, these lenders have developed expertise in financing businesses that extend the traditional season and create sustainable tourism models.
Q: How do New Hampshire SBA lenders help businesses in the healthcare and life sciences sectors?
A: New Hampshire’s growing healthcare and life sciences presence has created specialized lending expertise for these businesses. Several New Hampshire SBA lenders offer industry-specific loan packages designed for medical practices, healthcare technology companies, biotech firms, and specialized care facilities. These lenders understand healthcare reimbursement models and the unique capital needs of life sciences businesses. Some New Hampshire lenders coordinate with organizations like the New Hampshire Healthcare Association and the New Hampshire BioTech/MedTech Council to provide comprehensive support. These specialized lending programs have helped strengthen New Hampshire’s healthcare ecosystem by financing innovative delivery models and life sciences ventures that complement major healthcare providers like Dartmouth-Hitchcock, with particular attention to businesses addressing rural healthcare access challenges and commercializing biomedical innovations that create high-value jobs while improving health outcomes for New Hampshire residents and beyond.
Q: Can clean energy and environmental technology businesses in New Hampshire access specialized SBA financing?
A: Yes, New Hampshire’s environmental leadership benefits from specialized SBA lending expertise. Several New Hampshire lenders offer tailored loan packages for renewable energy developers, energy efficiency contractors, clean technology innovators, and environmental service providers. These lenders understand the policy environment and incentive structures that influence clean energy economics and can structure loans accordingly. Some New Hampshire SBA lenders coordinate with organizations like Clean Energy NH and the New Hampshire Sustainable Energy Association to provide comprehensive support. These specialized programs have supported New Hampshire’s clean energy transition by financing businesses that implement renewable energy systems, develop energy-efficient technologies, and create environmental solutions, with particular attention to projects that help communities and businesses achieve sustainability goals while creating economic opportunities. As New Hampshire navigates its energy future, these lenders have developed expertise in financing businesses that contribute to both environmental and economic resilience.
Q: How do New Hampshire SBA lenders support small-scale manufacturing and artisan businesses?
A: New Hampshire’s maker culture has led to specialized lending approaches for small-scale manufacturing. Several New Hampshire SBA lenders have developed expertise in financing craft breweries, distilleries, specialty food producers, furniture makers, and artisan workshops. These lenders understand the unique blend of production and retail that characterizes many maker businesses and can structure loans accordingly. Some New Hampshire lenders coordinate with organizations like the New Hampshire Made program and regional economic development agencies to provide comprehensive support. These specialized lending programs align with New Hampshire’s tradition of craftsmanship and entrepreneurship by financing businesses that create distinctive products with strong connections to place, from Portsmouth’s craft beverage scene to the Upper Valley’s woodworking tradition to the Monadnock Region’s food artisans. As consumers increasingly seek authentic, locally-made products, these lenders have developed expertise in helping small-scale manufacturers scale production while maintaining quality and craftsmanship.
Q: Are there specialized SBA loan programs for New Hampshire’s technology startups and innovation-driven businesses?
A: Yes, New Hampshire’s growing innovation ecosystem benefits from specialized SBA lending expertise. Several New Hampshire lenders offer tailored loan packages for software developers, biotech startups, clean technology innovators, and other knowledge-based businesses. These lenders understand the unique growth patterns of technology businesses and can structure loans accordingly. Some New Hampshire SBA lenders coordinate with organizations like the New Hampshire Tech Alliance, Alpha Loft, and university-based innovation centers to provide comprehensive support. While early-stage startups typically rely on venture capital, SBA loans become viable options as tech companies reach revenue generation and scaling phases. These specialized programs have supported New Hampshire’s evolution as a technology hub by financing businesses that leverage the state’s highly educated workforce, quality of life advantages, and proximity to Boston’s innovation ecosystem without the high costs, helping the state retain and attract talent while creating high-value jobs in communities from Manchester’s Millyard to Hanover’s academic environment.
Q: How do New Hampshire SBA lenders support businesses in rural communities?
A: New Hampshire’s geographic diversity has led to specialized lending approaches for businesses outside major population centers. Several New Hampshire SBA lenders participate in the USDA Rural Development Business & Industry Guarantee program alongside SBA programs to provide enhanced options for rural entrepreneurs. These lenders often coordinate with organizations like the Northern Community Investment Corporation and regional economic development agencies to provide comprehensive support. Some New Hampshire lenders have developed expertise in financing rural manufacturing, main street retail revitalization, and tourism businesses that are helping diversify rural economies in the North Country, Connecticut River Valley, and other less populated regions. These specialized programs align with New Hampshire’s efforts to strengthen rural communities through entrepreneurship, with particular attention to businesses that can overcome geographic isolation by leveraging New Hampshire’s expanding broadband infrastructure and create opportunities that help retain talent in the state’s scenic but economically challenged rural areas.
Q: How do New Hampshire SBA lenders support women-owned businesses and female entrepreneurs?
A: New Hampshire’s strong tradition of female entrepreneurship has influenced local SBA lending practices. Several New Hampshire SBA lenders have developed specialized programs focused on expanding capital access for women entrepreneurs throughout the state. These lenders often coordinate with organizations like the Center for Women & Enterprise, women’s business networks, and chambers of commerce to provide comprehensive support tailored to women business owners’ needs. Some New Hampshire lenders participate in SBA programs specifically designed to increase lending to women-owned businesses. These specialized lending programs align with New Hampshire’s above-average rate of female entrepreneurship by providing targeted outreach, mentoring connections, and financing structures that address the unique challenges women business owners may face. As women continue launching and scaling businesses across diverse sectors from healthcare to professional services to manufacturing, these lenders have developed expertise in helping female entrepreneurs access the capital needed to grow their businesses and create economic opportunities throughout New Hampshire’s communities.
Q: What other resources are available for SBA loans?
A: Other resources provided by Bigger Bottom Line include:
Q: How do I get assistance in getting an SBA or other business loan?
A: Contact the experts! We can assist from advising which lenders to submit to all the way through to developing & submitting a complete business loan package and anything in between. Contact us now for a free evaluation.