Manchester, NH's Trusted Hard Money Lender for Real Estate Investors

Manchester's transformation from mill city to New England's fastest-growing small metro — driven by the redeveloped Millyard district and New Hampshire's no-income-tax draw for Boston-area transplants — has made its historic triple-deckers some of the region's most sought-after value-add plays. Investors in the North End or West Side compete against a wave of buyers relocating from Massachusetts.

Unitas Funding provides private real estate loans for investors throughout Manchester and Hillsborough County — fix-and-flip, new construction, bridge, and DSCR rental financing up to $4.5M. With $4.5 billion funded nationally, we bring the speed New Hampshire investors need to compete with Boston-area capital.

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Fast, Reliable Capital for Your Next Manchester Deal

Manchester's tax-friendly environment and steady in-migration from Massachusetts support strong appreciation and rental demand alike. Unitas offers rates from 8.99%, up to 92.5% loan-to-cost, and pre-approval in 24 hours across Hillsborough County.

Fix & Flip Loans

Fix & Flip Loans

North End and West Side triple-deckers reward investors who can convert or modernize units to match the finish level Boston-area transplants expect. Unitas funds acquisition and rehab budget together so Manchester flippers can close and start work fast.

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New Construction Loans

New Construction Loans

Infill and mill-conversion projects near the Millyard and Bakersville continue as Manchester's population growth pulls in developers. Our construction loans fund the full build cycle with 24-48 hour draws to keep New Hampshire crews on schedule.

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Bridge Loans

Bridge Loans

Need to close on a Rimmon Heights acquisition before your permanent financing clears? Unitas bridge loans give Manchester investors the short-term capital to secure deals without losing momentum.

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DSCR Loans

DSCR Loans for Rental Properties

Manchester's steady in-migration and multi-unit triple-decker stock make DSCR loans an especially effective tool for investors building rental portfolios in the North End or West Side. We qualify the property's cash flow, not personal income.

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What Makes Unitas Different in Manchester

  1. Institutional Resources, Direct Access
    Backed by $4.5 billion in institutional capital, Unitas never leaves a Manchester closing waiting on funds — while operating as a direct lender that gives real answers in hours.

  2. Local Manchester Market Expertise
    Our team understands Hillsborough County's triple-decker stock and mill-conversion opportunities, from the Millyard to the West Side, and prices deals accordingly.
  3. Speed That Protects Your Margin
    24-48 hour draw turnaround keeps Manchester rehab and construction projects moving through New England's compressed build season.

  4. A Track Record Built in Manchester
    We've funded deals across the North End, West Side, and Bakersville, building the track record Manchester investors and agents trust.

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Get Pre-Approved in 24 Hours
Ready to move on your next Manchester deal? Submit your scenario and get a same-day term sheet from a direct lender — no committees, no runaround.

Frequently Asked Questions

How fast can Unitas close a hard money loan in Manchester?

Most Manchester transactions close within 10 business days of a completed application, with our team coordinating directly with Hillsborough County title companies.

What loan-to-cost is available for Manchester fix-and-flips?

Qualified investors can access up to 92.5% loan-to-cost, covering acquisition and renovation budget for North End and West Side projects.

Does Unitas finance triple-decker conversions in Manchester?

Yes, we fund renovation and conversion projects on Manchester's multi-unit triple-decker stock, evaluating the scope of work and after-repair value.

Does Unitas fund mill-building redevelopment in the Millyard?

Yes, our construction and bridge programs can fund adaptive reuse and new construction projects throughout the Millyard district.

What parts of southern New Hampshire does Unitas serve?

We fund deals throughout Hillsborough County and southern New Hampshire, including Nashua, Bedford, and Londonderry.

Ready to Fund Your Next Manchester Real Estate Investment?

Unitas Funding provides the fast, flexible private capital Manchester investors need to compete in New England's fastest-growing small metro. From North End triple-decker conversions to Millyard redevelopment, we fund projects across Hillsborough County. Contact us today to discuss your Manchester investment property financing.

Unitas Funding has funded 41+ deals for investors in and around Manchester, NH.


Business-purpose loans for investment properties only. Not a commitment to lend. All loans subject to credit approval and underwriting. Rates, terms, and loan-to-cost vary based on borrower qualifications, property, and market conditions. Loan product availability may be limited in certain states.