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25 Years of VCLF


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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

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Investments with Value...and Values

The money VCLF lends comes to us in the form of investments from hundreds of socially responsible individuals and families, faith-based groups, foundations and other nonprofits, corporations and community banks and local, state and federal governments. Their investments in the Loan Fund's work have helped us make over $85 million in loans since 1987.

Investors in the Vermont Community Loan Fund want their investment dollars to match their values. VCLF investors believe that Vermont is strongest when:

  • Vermonters have access to safe, affordable housing;
  • Local businesses thrive and create quality jobs;
  • Families can access high-quality child care; and
  • Vermonters are supported by strong community-based organizations.

Investments in the Loan Fund have fixed rates and terms, similar to a bank CD.  You decide how much to invest, how long to invest and the interest rate you'll earn.

You can put your self-directed Individual Retirement Account (IRA) to work investing in VCLF. Your investment can also provide you tax benefits: investors in the Loan Fund can qualify for the Vermont State Charitable Housing Tax Credit, adding to your investment’s value.

Some VCLF investors want to focus their impacts within a certain issue area. You can support healthy foods, sustainable agriculture and natural resources enterprises by investing in the Food, Farms & Forests Fund. You can support quality early care & education for all Vermont children by investing the Next Generation Fund.

The Vermont Community Loan Fund:  putting your money to work for you...and for Vermont!

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