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The Vermont Community Loan Fund is located in the heart of historic downtown Montpelier. For more information on our loan programs, or to learn how you can make an investment, please contact us.


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I was nervous in the present economy to get a loan, but it was nice to have the Loan Fund there.  I didn't realize how necessary their work is in Vermont, especially to the child care industry.

Christine Tullgren
Little Feet Children's Center

Our Mission

The Vermont Community Loan Fund creates opportunities that lead to healthy communities and financial stability for all Vermonters. We provide loans, grants and supporting services for affordable housing, local businesses, child care providers and community organizations.


Vermont Community Loan Fund News

  • Building Bright Futures Facilities Grants Now Available for Vermont Child Care Programs

    February 5, 2014

    The Vermont Community Loan Fund is now accepting applications for Building Bright Futures Facilities Grant (BBFFG) funding.  BBFFG grants can be used for assistance in starting, relocating, expanding, or improving a child care program’s physical facility and accessibility,  for real estate purchase, facility construction, facility renovation and pre-development costs. 

    Grant requests may not exceed $25,000 or 25% of the total project cost, whichever is less.  Keep in mind that the application process for these funds is very competitive, and funds are limited.  Applications must be received at VCLF by no later than 3:00 pm on March 28, 2014 to be considered.

    Priority will be given to full-day, full-year operations and comprehensive operations that integrate services with other programs and services, and operations where 25% or more of total enrollment capacity is or will be filled by child care financial assistance-eligible children. 

    All applications will be reviewed for quality of care and regulatory issues. Applicants must be active participants in the STep Ahead Recognition System (STARS). Special consideration will be given to start-up programs.  An overview of this grants program is available here:

    Please download, review and complete all of the following application materials and submit to the Vermont Community Loan Fund, P.O. Box 827, Montpelier, VT, 05601, attn.: Maria Lamberti. 

    If you have questions or require additional information about the Building Bright Futures Facilities Grants program, please contact  Maria Lamberti at the Vermont Community Loan Fund,  at 802-224-9141 or This email address is being protected from spambots. You need JavaScript enabled to view it.      

  • Loan Fund Lends $2.14 Million in 4th Qtr. 2013

     January, 2014

    The Vermont Community Loan Fund (VCLF) loaned $2,140,200 to Vermont’s small businesses, child care programs, community facilities and affordable housing developers in the fourth quarter of 2013,  promoting  job creation, quality child care programs, and development of emergency shelters and affordable homes.

    “VCLF is proud to work with Vermont’s innovative entrepreneurs, child care and social services programs, and developers of affordable housing who are creating amazing new solutions and opportunities throughout our state” said VCLF Executive Director Will Belongia. “VCLF is proud to help finance these projects that are increasing opportunity, financial stability, and economic justice throughout Vermont,” he added.

     Tina Conn and Van Nhum Tran, Essex Junction  When Tina Conn and her fiancé, Van Nhum Tran, wanted to purchase the property in which Conn’s business, Crystal Nail Salon, has been located for more than ten years, they came to VCLF to help with financing. The loan resulted in the preservation of two full-time jobs. Additionally, other businesses located in the building provide rental income for the couple. 

    Harbor Place, Shelburne With Chittenden County’s homeless shelters having to turn away more and more Vermonters in need of emergency housing, Champlain Housing Trust, which creates and preserves perpetually affordable housing in northwest Vermont, arrived at a groundbreaking solution. With VCLF financing, they purchased a former motel, which now provides 60 short-term, transitional homes.

     Hollister Hill Bed & Breakfast, Marshfield Bob and Lee Light bought Hollister Hill Farm in 1983, where they milked cows there for 15 years, before converting their home to B&B. The farm raises beefalo, pigs, chickens and turkeys, supplying their farm store as well as providing an agri-touristic experience for guests. When their indispensible tractor needed a new transmission, they came to VCLF to fund its repair, resulting in the preservation of one full and one part-time job.

    Read more...  
  • VCLF Awarded SBA Vermont Micro-Lender of the Year

    December 4, 2013

    The Vermont Community Loan Fund, a 501(c)3 nonprofit, mission-driven lender, was today awarded Vermont Micro-Lender of the Year by the Small Business Administration (SBA) Vermont District Office. Seth Goodall SBA Region 1 Administrator and Darcy Carter, SBA Vermont District Director presented the award to VCLF Executive Director Will Belongia at a gathering at Montpelier’s Capital Plaza Hotel.

    Since 2010, when VCLF began its collaboration with SBA, the Loan Fund has loaned a total of $986,959.94 in SBA funds to 42 small businesses and child care programs in the state. These loans have led to the creation of 67 new Vermont jobs, and the preservation of 96 existing jobs. In 2013, VCLF issued 18 SBA micro-loans totaling almost $450,000.

    Read more...  
  • VCLF Executive Director Spotlighted on Radio

    December, 2013

    VCLF’s Executive Director Will Belongia recently sat down with internationally acclaimed author and journalist David Goodman to discuss the Loan Fund’s role in boosting Vermont’s economy and quality of life, its efforts in the aftermath of Tropical Storm Irene, and more, on Goodman’s weekly radio program The Vermont Conversation.

    The Vermont Conversation with host David Goodman airs live every Wednesday at 1pm on WDEV Radio Vermont, 550AM / 96.1 FM. The show is sponsored by Vermont Businesses for Social Responsibility ( and features interviews with people who are making a difference in the worlds of business, politics, education, the environment and activism.Goodman, who makes his home in Waterbury Center, is the author of nine books, ranging in topics from politics to backcountry skiing.

    To hear the full interview, click here    and set the time code to 29:50.