Private Real Estate Loans for New Hampshire Investors
Sachem Lending provides short-term, asset-based loans to real estate investors and developers across New Hampshire. We fund purchases, renovations and new construction on residential and commercial property, with loans from $500,000 to $25 million and terms that typically run 12 to 36 months.
We lend in New Hampshire from our office in Branford, Connecticut, where our in-house team reviews each deal. Funding estimates usually take a day or two, and most loans close in 30 to 45 days. Start with the options below, or apply online.
New Hampshire Loan Programs
Fix and flip, new construction, bridge, entitled land and distressed acquisition loans for investment property across New Hampshire. Loan amounts run from $500,000 to $25 million, secured by the property rather than your personal income.
Application Process
Send us the property address, the loan amount and your plan. Our in-house team reviews the request and, if the project qualifies, sends a term sheet. Funding estimates usually take a day or two.
Who We Lend To
Investors, builders and brokers working across New Hampshire, whether you are on your first flip or running several projects at once. We look at the property, the plan and your experience, not only your credit score.
Apply Now
Ready to talk about a deal across New Hampshire? Apply online in a few minutes, or call our lending team at 203.433.4736 to talk it through before you submit.
A LENDER YOU CAN RELY ON
Sachem Capital was founded in Branford, Connecticut in 2010 by John Villano, who saw a need for business and investment loans. Today Sachem is a publicly traded real estate finance company that originates, services and manages its own portfolio of first mortgage loans. We lend in New Hampshire from our Connecticut office, and in 2022 we acquired Urbane New Haven, LLC, a real estate development and construction firm, which adds hands-on construction experience to the way we review your project.
Private Real Estate Lending in New Hampshire
New Hampshire’s activity is concentrated in the south, in Manchester, Nashua and the towns along the Massachusetts border, with separate markets on the Seacoast around Portsmouth and in the Lakes Region. Investors here work on everything from mill-era multifamily buildings to new single-family construction.
Winters affect building schedules, so the timing of a purchase and the start of work both matter. Financing that is in place before the season turns can save months.
Loan basics
Sachem Lending makes short-term loans from $500,000 to $25 million, secured by residential and commercial real estate. Terms typically run 12 to 36 months, and most loans close in 30 to 45 days. See how it works on our application process page, or submit a borrower application.
What we finance in New Hampshire
Hard Money Loans Across New Hampshire
Most New Hampshire activity is in the south and on the Seacoast, with separate markets in the Lakes Region. Here is how our loans fit them.
Manchester
Manchester has mill-era multifamily buildings and older housing that suit renovation and conversion. Our bridge and value-add loans fund the purchase and the improvements so you can stabilize the property. See our guide to bridge and value-add loans in Manchester.
Nashua and the Border Towns
Nashua and the towns along the Massachusetts border see steady demand from buyers. Fix and flip loans and new construction loans both fit here, depending on your plan.
The Seacoast
Portsmouth and the Seacoast towns form their own market, with older properties near the water and new single-family construction inland. We look at the property, the project and your experience when we review the deal.
The Lakes Region
Lake communities see much of their demand in the warmer months, and winter affects building schedules. Having financing in place before the season turns can save months, so talk to us early.
Why Use a Private Lender in New Hampshire
A bank looks mostly at your income and credit history. As a private lender, Sachem focuses on the property, your plan and your experience, which helps when a project does not fit a bank’s checklist or when you need to move quickly.
Most of our loans close in 30 to 45 days, and sometimes faster when the paperwork is ready. In most cases there is no prepayment penalty, so you can pay the loan off when you sell or refinance.
New Hampshire Lending Questions
How fast can you close a loan in New Hampshire?
Most loans close in 30 to 45 days, depending on documentation and the condition of the property. When all requirements are in place, closing can happen faster.
What loan amounts do you offer?
Our loans range from $500,000 to $25 million, depending on the property and the project. Terms typically run 12 to 36 months.
Do I need perfect credit to qualify?
No. Our underwriting focuses on the property, your experience and the project itself rather than only on credit scores or income.
What types of New Hampshire property do you lend on?
We lend on single-family homes, multifamily buildings, retail, medical office, industrial and other commercial property.
Can you lend in New Hampshire from Connecticut?
Yes. New Hampshire is part of our lending area, and our in-house team in Branford, Connecticut reviews, closes and services each loan. You can reach the lending team at 203.433.4736 or lending@sachemcapitalcorp.com.
Are there prepayment penalties?
In most cases, no. You can repay your loan early without extra cost. For more answers, see our full FAQ page.
Bridge Loan Programs
At Sachem Capital, we create value for our clients and shareholders by offering customized loan programs designed for investors, developers, and brokers. Our solutions encompass a diverse portfolio of real estate assets, tailored to meet the unique needs of each project.
Fix and Flip
Whether you’re just starting out or scaling your portfolio, Sachem delivers the funding you need to purchase, renovate, and resell with confidence and speed. We make financing simple, so you can focus on growing your profits and expanding your business.
New Construction
From simple homes to large developments, our flexible construction loans deliver the capital and support you need, fast and hassle-free. Sachem provides responsive service and reliable funding that keeps your project moving forward right on schedule.
Bridge - Value Add
We provide short-term bridge financing to help you acquire, renovate, and reposition investment properties quickly. Our team moves with speed and precision so you can unlock hidden potential and boost cash flow without delays.
Entitled Land Development
We deliver tailored financing to help you move from paper to project-site prep, infrastructure, and vertical construction. With Sachem’s capital and expertise, your development drives forward on time, on budget, and built to perform.
Distressed Acquisition
Distressed Asset with Upside? Move Fast and Win. Our acquisition loans deliver rapid capital, so you can confidently seize time-sensitive deals. With Sachem’s certainty and decisive execution, you act fast and unlock value.