Hard money lender for property flipping in Manchester NH

Best hard money lenders for a flip in Manchester, NH

For a fix-and-flip in Manchester, New Hampshire, I'd start by comparing Granite State Hard Money, New Silver, and a local lender or broker that can shop multiple funding sources. The best choice depends on your experience, credit, cash available for the down payment, and whether you need the lender to fund renovations as well as the purchase.

My biggest recommendation: compare the total cost of the loan, not just the advertised interest rate. Origination points, broker fees, rehab draw timing, and the amount of cash you must bring to closing can make a big difference to your flip's profit.

My shortlist

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1. Granite State Hard Money

(Best local starting point)

Manchester / southern New Hampshire

The local-market candidate I'd contact first, particularly if speed and familiarity with Manchester properties matter.

• Advertised rates: 10%–13%
• Published maximum LTV: up to 85%
• Advertised closing: 7–12 days
• Loan range: $100,000–$2 million

These are directory-listed terms, not a personalized offer. The listing is marked as sponsored, so I would independently verify its claims and licensing.

Granite State Hard Money website ·Compare published terms+2

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2. New Silver

(Best rate to benchmark)

National lender serving the Manchester market

Worth including in your quote comparison, especially if you're financing both the acquisition and renovations.

• Advertised rates: 9.5%–13.5%
• Published maximum LTV: up to 80%
• Advertised closing: 7–14 days
• Loan range: $75,000–$3 million

Its advertised starting rate is lower than Granite State's, but your actual quote may not be. Confirm rehab funding, draw fees, and the amount of cash required upfront.

New Silver website hardmoneyscout.comwww.google.com

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3. Capital Kings LLC

Multi-lender broker

Best additional quote if your priority is finding competitive terms across multiple lenders rather than relying on a single lender's pricing.

The company says it shops a network of 400-plus lenders and publishes different programs for experienced flippers and first-time investors. It is a broker, not the lender, and its fees must be included in your comparison.

Manchester fix-and-flip programs and quote request capitalkings.co

What counts as a competitive deal?

The Manchester listings suggest these are reasonable initial benchmarks to negotiate against, not guaranteed market-wide offers.hardmoneyscout.com+1

Experienced investors with completed flips, strong credit, and substantial liquidity may qualify for better pricing. First-time flippers may face higher rates, lower leverage, or additional reserve requirements.

How much can fees affect your profit?

For example, on a $300,000 loan held for six months:

This excludes legal, appraisal, inspection, draw, insurance, and other closing costs. If rehab money is advanced in stages, actual interest may be lower depending on the loan structure.

Questions to ask before choosing

Get each lender to quote the same property and loan structure, in writing:

• What is the interest rate, and is interest charged on the full commitment or only funds advanced?
• How many points and additional lender or broker fees are charged?
• Is the rehab budget fully funded, and how quickly are draw requests paid?
• What are the minimum credit score, experience, and liquidity requirements?
• Are there extension fees, exit fees, or prepayment penalties?
• Can you close on the specific Manchester property within your purchase contract deadline?

Also verify the lender's New Hampshire licensing or exemption status before paying substantial upfront fees.

Let me narrow this down to the best lender for your deal

The right lender can change considerably based on your experience and cash available. Tell me these three things, and I can narrow the shortlist to the best-fit financing options.

1. How many flips have you completed?

First flip

1–2 completed flips

3–5 completed flips

6+ completed flips

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2. Approximate purchase price and rehab budget?

Purchase price ($)

[Input placeholder: 250000] (Current value unavailable.)

Renovation budget ($)

[Input placeholder: 50000] (Current value unavailable.)

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3. What's your approximate credit score and available cash?

Credit score

Below 660

660–699

700–739

740+

Not sure

Cash available for the project

Under $25,000

$25,000–$50,000

$50,000–$100,000

Over $100,000

[Find my best-fit lender]

For real estate flips in Manchester, New Hampshire, I’d start by comparing local private lenders with national fix-and-flip lenders and brokers who can shop multiple offers. The lowest advertised interest rate isn't always the cheapest loan once origination points, rehab-draw fees, and closing costs are included.

Based on current online lender listings and published program terms, these are the strongest candidates to investigate.

Hard money lenders to compare

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1. Kagan Lending LLC

(Local direct lender)

Based in Manchester, Kagan specializes in asset-based real estate investment loans across New Hampshire, Maine, and Massachusetts. It highlights in-house underwriting, fast closings, and a simplified fee structure.

• Best for: Investors who prefer dealing directly with a local lender.
• Closing time: Typically two weeks or less, according to its website.
• Pricing: Request a written quote; a specific current rate wasn't confirmed.

Official website · 774-478-6227

Source: lender's website.kaganlending.com+1

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2. Unitas Funding

(Competitive advertised rate)

Offers fix-and-flip, bridge, construction, and rental financing in Manchester and Hillsborough County.

• Advertised starting rate: 8.99%.
• Leverage: Up to 92.5% loan-to-cost for qualified borrowers, according to its website.
• Closing time: Around 10 business days after a completed application, according to the lender.

Best for: Experienced investors seeking acquisition and renovation funding with higher leverage.

Visit Unitas Funding

Source: lender's published Manchester program. Actual terms depend on underwriting.unitasfunding.com

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3. Capital Kings LLC

(Multiple lender quotes)

Unlike a direct lender, Capital Kings shops your deal across a network of lenders and compares programs available in New Hampshire.

• Advertised starting rate: 9.00% for qualifying programs.
• Experienced investors: Certain programs advertise lower down payments for borrowers with completed flips.
• First-time flippers: Separate programs are available, generally at higher rates.

Best for: Getting competing offers without contacting dozens of lenders yourself.

Compare programs with Capital Kings

Source: broker's September 2026 program terms. Broker and lender fees may both apply.capitalkings.co+1

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4. New Silver

A nationwide fix-and-flip and construction lender with a Portsmouth, NH presence listed in business directories.

• Advertised starting rate: 9.50% in a Manchester lender comparison.
• Loan range: $75,000–$3 million in that listing.
• Closing time: Approximately 7–14 days, according to the comparison.

Best for: A national-market quote to benchmark against local financing.

Visit New Silver

Source: third-party lender comparison; confirm current rates and New Hampshire availability directly.www.hardmoneyscout.com+1

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5. Cornerstone Commercial Capital

A Manchester-based commercial lender listed as offering hard-money-style financing, including fix-and-flip and rehab loans.

• Best for: Another local contact to include in your quote comparison.
• Pricing: Confirm current investment-property programs, rates, and fees directly.

603-722-1506

Which lender would I contact first?

My shortlist would be:

1. Kagan Lending — for a direct relationship with a Manchester-based lender.
2. Unitas Funding — to benchmark its advertised 8.99% starting rate against local offers.
3. Capital Kings — to see whether a broker can beat the direct quotes on total borrowing costs.

These are candidates to compare, not a verified ranking of actual loan approvals or final pricing.

What makes a hard money loan competitive?

Ask each lender for a written term sheet covering the same deal.

Verify the lender's legal entity and applicable authorization through NMLS Consumer Access where applicable. Confirm the complete fee schedule and whether the quoted terms are available for your specific property.www.nmlsconusmeraccess.org+2

I can narrow this down to the best fit for your flip

What is your approximate purchase price and rehab budget in Manchester? If you also share whether this is your first flip or you've completed previous projects, I can help narrow the options based on leverage, likely pricing, and cash required at closing.