# Small business loans in Concord, NH

**Short answer:** The most active SBA lenders in Concord, NH since FY2024 are TD Bank (16 loans) and Merrimack County Savings Bank (11). The median loan was $50,000, and half fell between $25,000 and $178,500. For free help, see the New Hampshire Small Business Development Center. Source: SBA 7(a) loan data.

Canonical page: https://www.sbaexpress.loans/new-hampshire-small-business-loans/concord/
Data as of: 2026-06-30

## Lenders making SBA loans in Concord

TD Bank made the most loans in Concord, 35% of the total.

**Lenders with five or more SBA loans in Concord, NH, FY2024 to June 2026**

| Lender | Loans | Share |
| --- | --- | --- |
| [TD Bank](https://www.sbaexpress.loans/sba-express-lenders/td-bank/) | 16 | 34.8% |
| [Merrimack County Savings Bank](https://www.sbaexpress.loans/sba-express-lenders/merrimack-county-savings-bank/) | 11 | 23.9% |

Share is the percent of all Concord loans in that period. Each name links to that lender's page for New Hampshire where one exists.

Concord has two lenders with five or more loans since FY2024. Others had fewer, and the New Hampshire page counts 88 lenders with at least one approved loan statewide.

## Local help near Concord

Concord borrowers can start with SBA's district office for New Hampshire, an SBDC or SCORE.

43% of Concord borrowers since FY2024 were startups or businesses two years old or younger. SBDCs provide counseling and training, and SCORE mentors give advice at no cost, according to SBA.

SBA has one district office for New Hampshire. Its page points to state and federal resources and to lenders in the area. The New Hampshire Small Business Development Center gives free counseling across New Hampshire.

- [SBA New Hampshire District Office (Concord): SBA district office](https://www.sba.gov/district/new-hampshire)
- [New Hampshire Small Business Development Center: Small Business Development Center](https://www.nhsbdc.org/)
- [SCORE mentors in New Hampshire: Business mentoring](https://www.score.org/nh/)

Alongside SBA loans, New Hampshire runs three loan programs. The [New Hampshire page](https://www.sbaexpress.loans/new-hampshire-small-business-loans/#loan-programs-in-new-hampshire) describes each, and the official pages are linked here.

- [NH BFA Capital Access Program](https://nhbfa.com/loans/cap/)
- [NH BFA Loan Guarantees](https://nhbfa.com/loans/loan-guarantees/)
- [NH BFA Loan Participations](https://nhbfa.com/loans/loan-participations/)

## Loan counts and sizes in Concord

Concord ranks 4th by loans since FY2024 among the 4 New Hampshire cities with 100 or more SBA loans since FY2020. Nationally it is the 549th busiest of the 580 cities that reach 100 loans.

The 46 loans, 3.3% of the 1,376 in New Hampshire, were approved for $13.8 million in all. The median loan was $50,000, 67% below the national median of $150,300. Half of the loans fell between $25,000 and $178,500. The Concord median is 44% below the New Hampshire median of $90,000.

**Concord, NH compared with New Hampshire and the nation, loans from FY2024 to June 2026**

| Measure | Concord | New Hampshire | U.S. |
| --- | --- | --- | --- |
| Loans | 46 | 1,376 | 162,355 |
| Median loan | $50,000 | $90,000 | $150,300 |
| 25th percentile | $25,000 | $40,000 | $50,000 |
| 75th percentile | $178,500 | $224,250 | $500,000 |
| Via SBA Express | 69.6% | 67.4% | 35.8% |
| Lines of credit | 52.2% | 51.0% | 28.1% |
| Startups | 10.9% | 9.6% | 16.1% |
| Ownership changes | 10.9% | 9.5% | 10.4% |
| Median term | 10 years | 10 years | 10 years |
| Median spread | 3.0 | 2.75 | 2.75 |
| Charged off | Fewer than 5 | 1.6% | 3.6% |

A quarter of loans were smaller than the 25th percentile loan and a quarter were larger than the 75th. Median spread is in percentage points over Prime. Charged off is the share of FY2020 to FY2022 loans a lender wrote off as a loss. It is shown only for groups of 30 loans or more. Fewer than 5 marks a share that would stand for 1 to 4 loans, which we do not publish. U.S. covers every loan in the file.

69.6% of all loans went through SBA Express, above the national 35.8%. Lines of credit were 52.2% of loans, above the national 28.1%.

SBA loans in Concord, NH by size, FY2024 to June 2026

- $50,000 or less (54%): 25
- $50,001 to $150,000 (20%): 9
- $150,001 to $350,000: Fewer than 5
- $350,001 to $500,000: Fewer than 5
- $500,001 to $1,000,000: Fewer than 5
- $1,000,001 to $2,000,000: Fewer than 5
- Over $2,000,000: Fewer than 5

Labels show each size's share of all loans. The highlighted bar is the size band that contains the median.

By business age, 45.7% of loans went to businesses more than two years old and 32.6% to businesses two years old or younger. Startups received 10.9% and changes of ownership 10.9%. The national startup share is 16.1%.

SBA loans in Concord, NH by fiscal year

- FY2020: 10
- FY2021: 21
- FY2022: 17
- FY2023: 16
- FY2024: 18
- FY2025: 17
- FY2026 (through June 30): 11

Fiscal years run October to September. The last bar covers nine of its twelve months.

Volume fell 6% from FY2024 (18 loans) to FY2025 (17), the two latest full years. The busiest full year in the file was FY2021, with 21 loans. FY2026 already shows 11 loans through June 30.

Of the 48 loans Concord borrowers received in FY2020 to FY2022, fewer than 5 were charged off by June 30, 2026, against 3.6% nationally. Lenders reported 169 jobs supported across the 46 loans since FY2024, about 3.7 per loan. SBA does not audit these estimates.

## What businesses in Concord borrow for

General Automotive Repair was the largest borrower group in Concord since FY2020, with 5 loans or 4.5% of the total.

**Industries with the most SBA loans in Concord, NH, FY2020 to June 2026**

| Industry | Loans | Share | U.S. share |
| --- | --- | --- | --- |
| [General Automotive Repair](https://www.sbaexpress.loans/industries/general-automotive-repair/new-hampshire/) | 5 | 4.5% | 1.5% |
| [Offices of Chiropractors](https://www.sbaexpress.loans/industries/offices-of-chiropractors/) | 5 | 4.5% | 0.8% |

Share is the percent of all Concord loans in that period. Industry is the NAICS code on each loan. A name links to the New Hampshire page for that industry where one exists.

## A typical loan payment in Concord

The median Concord loan was $50,000 with a median term of 10 years.

The median variable-rate loan in Concord was priced at Prime plus 3.0 percentage points at approval. At today's Prime that spread works out to 10.00%. On $50,000 over 10 years, principal and interest would come to about $661 a month. That is arithmetic on past loans, not a rate a lender is offering.

**Payment at today's rate on three Concord loan sizes over 10 years**

| Loan | Amount | Monthly payment |
| --- | --- | --- |
| 25th percentile loan | $25,000 | $330 |
| Median loan | $50,000 | $661 |
| 75th percentile loan | $178,500 | $2,359 |

Principal and interest only. Fees, a different term or a fixed rate change the payment. This is an illustration from SBA's file, not an offer.

SBA's rate ceiling for this loan size

SBA's maximum for a loan of $50,000 is Prime plus 6.5 percentage points, or 13.50% today. The median variable-rate loan here was priced 3.5 points under that ceiling. Source: 13 CFR § 120.214(d)(1); SOP 50 10 8.1, App. 18, Para. A.2 (p. 395).

Concord loans approved since FY2024 had a median starting rate of 10% at approval, against 10.25% nationally. Prime changed during those years, so use the spread above, not that rate, as the guide to today's cost.

Run your own numbers: [payments on a $50,000 loan](https://www.sbaexpress.loans/loan-amounts/50000-business-loan/) and [SBA Express payment calculator](https://www.sbaexpress.loans/sba-express-payment-calculator/).

## SBA 504 loans near Concord

Concord has 12 SBA 504 loans since FY2020, with $3.6 million in SBA and CDC dollars.

Fewer than five of them came in FY2024 or later, so no recent median is published. The bank's share of each project is separate and is not counted in these figures.

Capital Regional Development Council is the one Certified Development Company (CDC) named on five or more loans, 8 since FY2020.

**CDCs named on five or more 504 loans in Concord, FY2020 to June 2026**

| Certified Development Company | 504 loans |
| --- | --- |
| Capital Regional Development Council | 8 |

How a 504 loan is split

A standard 504 project is 50% third party lender, 40% CDC debenture, 10% borrower. 504 money pays for major fixed assets such as land, buildings and long-term machinery and equipment, not working capital or inventory. Source: SOP 50 10 8.1, Sec. C, Ch. 1, Para. B (p. 221). SBA keeps a [list of Certified Development Companies](https://www.sba.gov/loans/504-loans/list-of-certified-development-companies/).

## New Hampshire cities near Concord

Concord made up 3.3% of New Hampshire's SBA loans since FY2024.

Concord is one of 4 New Hampshire cities with 100 or more SBA loans since FY2020. The [New Hampshire page](https://www.sbaexpress.loans/new-hampshire-small-business-loans/) covers all 1,376 loans in New Hampshire. The closest come first, ranked by county and ZIP code on their loans.

- [Manchester: 92 loans, median $101,600](https://www.sbaexpress.loans/new-hampshire-small-business-loans/manchester/)
- [Nashua: 69 loans, median $100,000](https://www.sbaexpress.loans/new-hampshire-small-business-loans/nashua/)
- [Portsmouth: 58 loans, median $137,500](https://www.sbaexpress.loans/new-hampshire-small-business-loans/portsmouth/)

## Common questions about SBA loans in Concord

### Which lenders make the most SBA loans in Concord?

TD Bank leads with 16 loans in Concord since FY2024. Merrimack County Savings Bank (11) follows. Only lenders with five or more Concord loans are counted.

### Which industries get SBA loans in Concord?

General Automotive Repair leads with 5 loans in Concord since FY2020. Offices of Chiropractors (5) follows.

How to read this

Counts come from SBA's 7(a) loan-level data release, as of June 30, 2026. The file lists loans SBA approved. It does not list declined applications, so it cannot show approval odds. We do not publish any figure built on fewer than 5 loans. Location is the borrower's address in the file, and city names are as SBA recorded them. Recent means FY2024 through June 30, 2026. Charge-off rates use FY2020 to FY2022 loans, the only years old enough to have had time to go bad. Jobs supported are lender-reported estimates. [How we build these pages](https://www.sbaexpress.loans/method/).

## Sources

- [SBA 7(a) and 504 FOIA loan-level data, as of June 30, 2026](https://data.sba.gov/dataset/7a-504-foia)
- [SBA, 504 loans](https://www.sba.gov/loans/504-loans/)
- [SBA, resource partners: SBDCs and SCORE](https://www.sba.gov/counseling/local-assistance/resource-partners/)
- [SBA New Hampshire District Office (Concord)](https://www.sba.gov/district/new-hampshire)
- [New Hampshire Small Business Development Center](https://www.nhsbdc.org/)
- [SCORE, New Hampshire](https://www.score.org/nh/)
- [SOP 50 10 8.1, Sec. C, Ch. 1, Para. D.1 (p. 241); 13 CFR § 120.931](https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx)
- [SOP 50 10 8.1, Sec. C, Ch. 1, Para. B (p. 221)](https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx)
- [sba.gov/loans/504-loans; SOP 50 10 8.1, Sec. A, Ch. 3, Para. A (p. 51)](https://www.sba.gov/loans/504-loans/)
- [SOP 50 10 8.1, Sec. B, Ch. 2, Para. B.1 (p. 126)](https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx)
- [13 CFR § 120.214(d)(1); SOP 50 10 8.1, App. 18, Para. A.2 (p. 395)](https://www.ecfr.gov/current/title-13/section-120.214)