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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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We were using a small-scale system, so you had to remove each bag and heat-seal it.  We found a bagger, but it was a ton of money for us.  We weren't large and banks weren't interested in helping us. VCLF approved our loan and we were able to buy it.  It solidified our place in the market. 

Francie Caccavo
Olivia's Croutons


Past Performance, Future Savingsmichellebarbersquare.jpg - 22.82 kb


“I needed something to do with my money that pleased my conscience as well as fulfilling my financial goals. It’s the best of both worlds.”



Michelle Barber is an avid hiker, cyclist, outdoorsperson and recently even tried skydiving and hang gliding. As adventurous as she may be in some aspects of her life, Michelle is quick to note she’s “the most conservative kind of investor the Loan Fund could possibly have.”

Michelle ventured far from her Detroit roots to head to Vermont 11 years ago, taking on marketing and communications jobs at the Green Mountain Club and Goddard College. At her current post as digital marketing specialist at the Vermont Foodbank, she trawls the digital frontiers to promote their progressive, collaborative approach to systems change. Her forward-thinking ethos also requires her to commute by bicycle to minimize her carbon footprint.

And then there’s Michelle’s dream of living off the grid, in a cabin of her own design. Believe it or not, that’s how she came to be a VCLF investor: Michelle is saving for her dream home using VCLF’s Graduating Investment, rather than going to a traditional lender for a mortgage. “I wanted to do this outside of the traditional debt system,” she says, explaining that it allows her to strengthen Vermont and build her dream home, all at the same time.

As for the “conservative” part? “VCLF has a great track record for managing money and keeping it secure.” After extensive research on the Loan Fund’s history, lending and approach to fiscal responsibility, Michelle says she felt completely confident that putting her money with the Loan Fund was far more responsible choice than Wall Street, which she describes as “much too shaky.”

She also likes the idea that she’s contributing to Vermont by sharing her assets with the community facilities and small businesses she believes are the foundation of the state’s future. “I needed something to do with my money that pleased my conscience as well as fulfilling my financial goals,” Barber says. “It’s the best of both worlds.”