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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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It is because of VCLF that I am busy and still able to respond to new customers.  I have 18 jobs going right now.  I like the concept of the Loan Fund and when I can I plan to invest there to help other small business people like me.

John Blittersdorf
Central VT Solar and Wind

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

  • The current interest rate is 7%.
  • Terms range from several months up to 30 years.
  • Term, rate and repayment schedule is project specific and based on project need and strength of proposal.
  • 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