Business financing in Derry.
County-by-county financing guides. No paperwork. No social. No ID.
No institution is based inside the Derry line. We do not hide that — below are the doors that serve it from the rest of New Hampshire.
Not this lane? Home FinancingPersonal Financing
The doors in Derry.
The CDFIs, credit unions, and microlenders that actually say yes — county by county, in two languages. We are not a lender. Nobody paid to be listed. And where a county has no good doors, we say so.
- Ascendus Inc.SBA microlenderCommunity lending · Business capital
- Rockingham Econ Dev Corp (REDC) dba Regional Econ Dev Ctr of Southern NHBusiness capital
- Accion Opportunity FundAccepts ITIN
Nonprofit small-business lender. Accepts ITIN in place of SSN. Serves most states, in English and Spanish.
Business capital - Grameen AmericaAccepts ITIN
Microloans for women entrepreneurs. Requires photo ID and proof of address — no SSN requirement. Branches in major metro areas.
Business capital - Mission Asset FundAccepts ITIN
Zero-interest lending circles and credit building. SSN or ITIN accepted. Works through nonprofit partners across the country.
Personal
1 of the 5 are CDFI-certified.
The U.S. Treasury certifies them to lend to the people banks pass over. It is a loan, not a favour.
3 of these doors accept an ITIN.
They will open an application with an ITIN instead of a social security number. They are marked ACCEPTS ITIN below.
Getting a business loan in Derry, NH is harder than it looks if you walk straight into a bank. The good news is that New Hampshire has real local resources — CDFIs, credit unions, and SBA-connected offices — that work with contractors, small shops, and investors who don't have perfect credit or a long banking history. This guide cuts through the confusion and points you to the doors that are actually open. Origen Capital is a directory, not a lender — we don't collect your information, we just help you find the right room.
It's a process, not a product.
Business financing isn't a single thing you buy off a shelf. It's a sequence — you figure out what you need, you get your documents in order, you find the right type of lender for your situation, and then you apply.
Most people skip straight to the application and get rejected because they weren't ready.
A contractor in Derry looking for equipment financing needs a different door than a landlord looking to renovate a two-family in Rockingham County. The type of business, the use of funds, your credit situation, and whether you have an SSN or an ITIN all change which path you take. Start with the process, not the product.
Forget what the banks say.
If a big bank told you no — or made you feel like the answer was obvious — set that aside. Traditional banks in New Hampshire, like everywhere else, are built for borrowers who already look good on paper: two or more years in business, strong revenue, good personal credit, and a clean tax return. That leaves out a lot of working people.
Solo contractors who write off most of their income.
Immigrants who built cash businesses before they had access to credit. Real estate investors with one or two properties and no W-2. The community development lenders, state programs, and credit unions in this region are specifically designed for people the banks pass on. Their standards are different. Their staff often speaks your language — sometimes literally.
Five things. Get them in order.
- 01Know your number
How much do you actually need, and what exactly is it for? Equipment, working capital, a down payment, a renovation — each one has different loan products attached to it.
- 02Pull your credit
Both personal and business if you have it. You can get your personal report free at annualcreditreport.com. Errors are common. Fix them before you apply.
- 03Get your tax returns together
Two years is standard. If you're self-employed and your net income looks low, talk to a CDFI advisor before you apply — they know how to read contractor income.
- 04Write a one-page business summary
Where you work, how long you've been doing it, what the money is for, how you'll pay it back. It doesn't need to be fancy.
- 05Ask about ITIN lending upfront
If you don't have a Social Security number, say so early. Several lenders in this region work with ITIN borrowers. Hiding it wastes everyone's time.
- MISSING ONE?Ask Iris which one you're missing.ASK A QUESTION ↓
Four doors worth knowing.
Derry sits in Rockingham County, which is served by a handful of regional and state-level lenders worth your time. We list them below.
A statewide CDFI that provides small business loans, coaching, and flexible underwriting to businesses that don't qualify at traditional banks — including contractors, immigrant-owned businesses, and those with limited credit history.
BEST FORSmall business owners and contractors with non-traditional credit profilesThe SBA's district office serves all of New Hampshire including Derry and can connect you with SBA 7(a) and microloan programs through approved local lenders; they also offer free business advising through SCORE and SBDC partnerships.
BEST FOREstablished small businesses seeking larger loan amounts with SBA backingA free statewide advising network with advisors who will review your financials, help you build a loan-ready package, and connect you to the right lender for your situation before you apply anywhere.
BEST FORAny business owner who needs help getting loan-ready before applyingA New Hampshire-based credit union that serves southern NH including the Derry area, offering business loans and lines of credit with member-focused underwriting that can be more flexible than big banks.
BEST FORLocal contractors and small businesses looking for a relationship-based lenderDon't fall into these traps.
The financing world has some real hazards, especially for contractors and investors who are in a hurry or have been rejected before. Desperation is a vulnerability, and there are lenders who count on it. The three traps below are the most common ones we see in this region. Read them before you sign anything.
Marketed as fast business funding, MCAs charge effective rates that can exceed 80–150% annually and pull repayments daily from your account — they are not loans and are largely unregulated.
Any broker who asks for money before you receive a loan commitment is a red flag — legitimate loan brokers earn fees at closing, not before you've been approved.
Some online lenders dress up short-term, high-rate products with business language, but the structure is the same as a payday loan — always calculate the annual percentage rate before you sign.
Same county, another question.
Home FinancingPurchase, renovation, HELOC, and bridge loans for homeowners and investorsSEE IT IN DERRY →
Personal FinancingPersonal loans, credit building, and ITIN-friendly financing optionsSEE IT IN DERRY →10NH COUNTIES WITH DOORSThe whole stateEvery county in New Hampshire, in this same lane.11 institutions fund business financing inside New Hampshire county lines.OPEN THE STATE →
Still don't see your situation?
Ask Iris. She'll explain it the way it should have been explained the first time.