Capital for New Hampshire operators
from the Seacoast to the White Mountains.

New Hampshire packs a surprising range of small-business economies into 9,300 square miles. Inside that footprint you find every extreme: a Nashua aerospace machine shop on a long Department of Defense backlog; a Hampton Beach seasonal restaurant that books a year of revenue between Memorial Day and Labor Day; a Salem retail operator that lives or dies by Massachusetts weekend traffic; a Bretton Woods ski-lodge concessionaire on the winter calendar; a Portsmouth software firm billing seven-figure quarterly contracts. Banks, by structure, struggle to underwrite that range. Goliath was built for it.

Our New Hampshire pipeline spans every region. The Merrimack Valley anchors the book with Manchester and Nashua delivering a heavy mix of manufacturing, professional services, and the I-93 commercial spine. The Seacoast brings Portsmouth, Dover, and the entire Pease and Newington commercial corridor, plus a deep restaurant and hospitality economy. The Capital region around Concord adds government-adjacent professional services and steady trade flow. The Lakes Region and the White Mountains contribute seasonal hospitality. The Monadnock around Keene and the North Country round out the statewide footprint.

The bank-lending coverage gap in New Hampshire

New Hampshire's bank market is dominated by regional institutions and credit unions, and consolidation has thinned the lender field. Bank of New Hampshire, Service Credit Union, Citizens, and TD have meaningful market share, but the structural reality is that these institutions favor commercial real estate and high-net-worth lending over the $50K to $500K working-capital tickets that small businesses actually need. The result: a contractor in Salem, a restaurant group in Portsmouth, a wholesale distributor in Manchester, or a small manufacturer in Nashua often cannot get a timely yes from a bank even with strong revenue and clean operations. We fill that gap.

We are deposit-based underwriters. We read your four most recent months of business bank statements, your ledger, your revenue trend, and how you actually run the company — not a FICO number and a tax return from two years ago. That approach fits the New Hampshire economy because it accommodates the cash-heavy Lakes Region restaurant, the credit-card-heavy border retailer, the receivable-heavy Portsmouth software firm, and the milestone-billed defense subcontractor on the same underwriting bench. We routinely fund operators in their first year as long as deposit patterns support the offer.

The industry mix we fund statewide

Advanced manufacturing anchors the Merrimack Valley portion of our book — machine shops, electronics manufacturers, and the aerospace and defense subcontractor base around BAE Systems Nashua and the broader Portsmouth Naval Shipyard ecosystem. Technology services around the Manchester and Portsmouth innovation corridors add steady flow. Tourism and hospitality dominate in the White Mountains and Lakes Region. Retail across the Massachusetts border corridor leans on the no-sales-tax advantage. Healthcare, professional services, and a deep contractor base round out the pipeline.

New Hampshire's regions are distinct and the small-business mix varies sharply from south to north. Below is how the metros break down in our book.

Manchester

Manchester is the largest city in northern New England and the anchor of our New Hampshire book by deal count. The Millyard's reinvention from textile mills to a tech, healthcare, and creative-economy district drives a steady mix of professional services and startups. Elliot and Catholic Medical Center anchor a deep healthcare practice base. We fund operators across downtown, the West Side, and the I-93 / I-293 commercial corridor.

Nashua

Nashua is the second-largest city in New Hampshire and the anchor of the Greater Boston commuter and manufacturing corridor. BAE Systems Electronic Systems anchors a deep aerospace and defense subcontractor base. The proximity to Route 3 and the Massachusetts border drives retail, restaurant, and hospitality flow. Our Nashua book leans toward manufacturers, contractors, and the trade businesses that ride the region's residential growth.

Concord

Concord is New Hampshire's capital and the anchor of the state's government-adjacent professional services economy. Concord Hospital and the downtown professional district drive healthcare and law-firm deal flow. Our Concord book leans toward professional services, healthcare practices, and the contractors and trade businesses that ride the steady infrastructure spend of state government and the surrounding Merrimack County residential market.

Portsmouth

Portsmouth is one of the most distinctive small-business economies in northern New England — driven by tourism, a deep waterfront restaurant scene, the Pease International Tradeport, and the Portsmouth Naval Shipyard defense ecosystem just across the river. Our Portsmouth book leans heavily toward restaurants and hospitality downtown, technology and professional services around Pease, and defense subcontractors tied to the shipyard.

Salem and the Border Retail Corridor

Salem and the broader I-93 and Route 28 corridor through Pelham, Plaistow, and Seabrook deliver one of the most distinctive cross-border retail economies in the country, driven by New Hampshire's no-sales-tax advantage and steady weekend traffic from Massachusetts. The Mall at Rockingham Park and the surrounding big-box and restaurant corridor drive a steady book. Our Salem deal flow leans toward retail, restaurants, and the trade businesses that ride the corridor.