For More Information Call 802-223-1448

Donate Now

Invest Now

Borrow Now

25 Years of VCLF


Stay Connected!

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.


Sign up for our E-newsletter

  1. Invalid Input
  2. Invalid Input
  3. Invalid Input

I needed to know whether this could be a viable business. I didn't quite know where to begin...that's when I contacted VCLF. They came to visit me, gave me all the resources to get started, and helped me get past all the hurdles. And here we are!

Christie Leone

Round Hill Kids

graduationThe Vermont Community Loan Fund believes that early education provides an essential foundation for our children's growth and development.

We also understand that a parent's ability to find quality care is an essential piece of their ability to find and hold onto the job that supports their growing family.

Quality facilities are a key component of quality child care, so we provide loans and technical assistance for private, nonprofit, home- and center-based child care providers in Vermont. We are especially interested in child care programs that serve infants and toddlers, children from low- and moderate-income households and children with special needs.

Basic Eligibility

VCLF makes loans to Vermont child care programs that:

  • Operate under the regulations of the Vermont Child Care Licensing Division
  • Are licensed centers and registered and licensed homes
  • Are center-based and home-based programs that are in the process of becoming licensed or registered

Acceptable Uses

  • Improvements to meet Vermont Core Standards
  • State regulatory requirements
  • Improvements to meet ADA accessibility standards
  • Renovations or additions to improve programs or increase capacity
  • Purchase of equipment and materials to improve quality of service

Rates and Terms

  • Interest rates as low as 5%.
  • Terms range from several months up to 30 years.
  • Term, rate and repayment schedule is project specific and based on project focus, potential for social impact and the strength of your application.
  • There is an application fee of $25.  An origination fee totaling 1% of the total loan amount and a loan documentation fee of $125 are due upon closing.  Expenses incurred for the recording of collateral documentation and anticipated discharges of such documentation are also due at closing.


  • Collateral is required on fixed assets, inventory and receivables. VCLF may also require security in the form of personal guarantees, collateral on personal assets or a cosigner.

Maximum Loan Amount

  • The current maximum loan amount will not exceed $350,000.

How to Apply

Please contact Maria Lamberti, Loan Coordinator for Child Care Programs, at (802) 224-9141, or by email, for more information.

You may download information and pre-application sheets:

Important Links for Child Care Providers