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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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VCLF’s thorough understanding of our work, commitment to our mission and appreciation of our track record makes them a valued partner to us. Because of that, people have places to live that are safe, secure and affordable.

Brenda Torpy
Champlain Housing Trust

graduationWe believe that quality early care and education provide 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 any family's financial well-being.

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. We are especially interested in early care and education programs that serve infants and toddlers, children from low- and moderate-income households and children with special needs.

Basic Eligibility

We make loans to child care programs that:

  • Operate under the regulations of the Vermont Child Care Licensing Division
  • Are licensed centers, or registered and licensed homes (or in process)
  • Participate, or plan to participate, in STARS, Vermont's child care quality recognition program

Acceptable Uses

  • Improvements to meet Vermont Core Standards, state regulatory requirements or ADA accessibility standards
  • Facility purchase 
  • Facility renovations to improve program quality and increase capacity
  • Purchase of equipment and materials

Maximum Loan Amount

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

Rates and Terms

  • Interest rates as low as 5%.
  • Term, rate and repayment schedule is project specific and based on project focus, potential for social impact and the strength of your application. Amortization ranges from several months up to 30 years.
  • 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.

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