Northeast · New Hampshire · First lien
Commercial real estate loans in Manchester, NH.
First-position hard money and bridge loans on commercial and multifamily property in Manchester, New Hampshire — typically $1M–$5M, larger considered. Reviewed and decided directly by the principals.
Market context
The Manchester economy behind the collateral.
Manchester is New Hampshire's largest city and a manufacturing and healthcare center within commuting distance of Boston.
New Hampshire's economy benefits from no state income or sales tax, supporting a diverse base of manufacturing, technology, and healthcare employers along the Interstate 93 corridor near Boston. Tourism tied to the White Mountains and seacoast adds a seasonal component.
Economic anchors
- Elliot Health System
- Manchester-Boston Regional Airport
- Southern New Hampshire University
Financing needs often involve industrial and mixed-use redevelopment of legacy mill buildings.
By property type
New Hampshire loans by asset class.
We lend on the property types our team has owned and operated. Each page covers what we underwrite first and the situations we see most.
Loan uses
What Manchester borrowers use us for.
- Acquisitions with a hard closing date
- Refinance of a maturing or defaulted loan
- Bridge to stabilization, sale or permanent debt
- Cash-out against existing equity
- Renovation, repositioning and value-add capital
- Partner buyouts and recapitalizations
- Discounted note payoffs and lender-driven deadlines
- Situations a bank or agency lender will not close in time
Selling a property in Manchester? Stokley also buys commercial and multifamily real estate as a principal. Submit it for acquisition.
Hard money lending guidelines
Asset-based financing. We focus on the property's value and the owner's equity, not a credit score. Low credit does not rule out a request. Every deal is subject to underwriting.
- Annual rate
- From 11.5%
- Origination
- From 2% of the loan amount
- Term
- 6 to 12 months
- Payments
- Interest only
- Loan-to-value
- Up to 70%
- Lien position
- First position only
Third party closing costs are separate.
Every term sheet is different. Every deal goes through underwriting and has specific terms. These are guidelines, not a commitment to lend.
Request loan terms
Manchester, NH loan request.
Questions
Manchester, NH lending, answered.
- Does Stokley Capital provide loans in Manchester, NH?
- Yes. We provide first-position, business-purpose loans on commercial and multifamily property in Manchester, New Hampshire — typically $1M–$5M, with larger loans considered.
- Does Stokley buy property in Manchester, NH?
- Yes. Stokley acquires commercial and multifamily real estate as a principal across asset classes. Submit any property for sale and we will review it.
- What kinds of Manchester loan requests do you see?
- Financing needs often involve industrial and mixed-use redevelopment of legacy mill buildings.
- What should a Manchester loan request include?
- Property address and type, loan amount and purpose, current income and occupancy, existing debt, the business plan and the deadline. Rent rolls and operating statements help but are not needed for a first read.
- Do you lend in second position?
- No. Stokley Capital lends in first position only.
- Do you publish rates or leverage?
- Published lending guidelines are for general guidance only. Every deal goes through underwriting and has specific terms.
Nothing on this website is an offer to lend or a commitment of capital. All loans are subject to underwriting, due diligence, documentation and approval. Published lending guidelines are for general guidance only. Every deal goes through underwriting and has specific terms.
Other New Hampshire markets
Next step
Have a Manchester property to finance?
Send the property, the amount and the deadline. A principal will respond directly.