Ground-up construction loans for builders and investors developing new properties in New Hampshire. Finance up to 85% of your land purchase and 85% of construction costs on a single loan. Rates from 10%, non-Dutch interest, and land doesn't need to be permitted to qualify. Loans $100K to $7.5M.
SLA Capital — a Sir Lends A Lot LLC Company
A new construction loan is short-term financing for building a property from the ground up. It typically covers land acquisition, vertical construction, and an interest reserve on a single loan, with construction funds disbursed via draws as the build progresses through inspection milestones. Once construction is complete, the loan is paid off through a sale of the finished property or refinanced into long-term financing.
New Hampshire pairs no-income-tax-on-wages advantage with Boston-metro commuter demand (Nashua, Salem, Manchester). Seacoast tech + defense employment anchors long-term rentals. Constrained supply supports property values.
New Hampshire has no income tax on wages — a real benefit for rental owners running properties here. (Investment income tax on dividends and interest exists but has been phasing out.)
Nashua, Manchester, and Salem are core Boston-metro commuter markets. Rental demand from professionals working in Massachusetts stays consistent.
Portsmouth and the Seacoast host tech (Bottomline Technologies) and defense (Portsmouth Naval Shipyard) employment that supports long-term rental demand.
Whether you're closing a single-asset SFR in a smaller New Hampshire market or a portfolio in a major metro, we're active statewide. High-volume markets we regularly close in include:
Hillsborough County — largest NH metro
Hillsborough County — Boston-adjacent commuter market
Rockingham County — Seacoast tech + defense
Merrimack County — state capital
Strafford County — Seacoast SFR
Rockingham County — MA-border commuter market
Western NH secondary markets — Dartmouth-adjacent
Statewide coverage — send us any New Hampshire property
Same nationwide program, no state-specific surcharges.
Up-front pricing on every loan. The rate you're quoted is the rate you close at — no surprises at the closing table.
Up to 85% of the land purchase price plus 85% of construction costs. High leverage that keeps your capital deployable.
Pay interest only on the funds you've actually drawn, not on the undrawn balance. Keeps carrying costs down during early build phases.
Choose the term that fits your build schedule. Straightforward extensions available on active projects.
Land does not need to be permitted or warranted before loan approval. Get under contract and permit in parallel.
From single infill lots to multi-unit projects across New Hampshire. Same clean underwriting from starter builds up to $7.5M.
Yes. SLA Capital funds New Construction loans throughout New Hampshire — Manchester, Nashua, Portsmouth, Concord, Dover & Rochester, and every other NH metro. Rates from 10%, up to 85% land + 85% construction.
SLA Capital finances up to 85% of the land purchase plus 85% of construction costs in New Hampshire. Loans range from $100,000 to $7,500,000.
No. SLA Capital does not require the land to be permitted or warranted before loan approval. Get under contract and start underwriting in parallel with permitting.
Non-Dutch interest — borrowers pay interest only on funds that have been drawn, not on the undrawn balance. This keeps carrying costs down during early build phases when most of the loan hasn't been disbursed yet.
New Hampshire pairs no-income-tax-on-wages advantage with Boston-metro commuter demand (Nashua, Salem, Manchester). Seacoast tech + defense employment anchors long-term rentals. Constrained supply supports property values.
Send us the property. Our sizer returns a real term sheet in minutes.
Long-term rental financing for New Hampshire investors. Rates from 5.75%, up to 80% LTV, 3-month seasoning on cash-outs.
Short-term purchase + rehab financing across every New Hampshire metro. Rates 9.5–12%. Up to 100% LTC for premier borrowers.