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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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I was nervous in the present economy to get a loan, but it was nice to have the Loan Fund there.  I didn't realize how necessary their work is in Vermont, especially to the child care industry.

Christine Tullgren
Little Feet Children's Center

October, 2012

The Vermont Community Loan Fund (VCLF) approved $501,800 in financing to Vermont’s small businesses, affordable housing developers, and child care programs during the third quarter of 2012.

“Our work with Vermont’s small businesses, child care programs, affordable housing developers and community facilities is advancing our state’s economy and creating safer, healthier, more vibrant communities,” said VCLF Executive Director Will Belongia.


Highfields Center for Composting, Hardwick
The Highfields Center for Composting is dedicated to promoting and advancing soil security in Vermont. The organization was formed in 1999 by local farmers seeking to remedy their manure and nutrient management issues through composting. In addition to making and selling compost, Highfields consults with farmers and other composters, provides lectures and workshops, sets up community food waste collection programs and provides composting education in Vermont schools. Highfields processes three to five tons of food waste per week. They used their VCLF loan to purchase equipment to transport and process compost. The loan resulted in the creation of three and the retention of six full-time livable wage jobs.

W. Masonry, Westford
Earlier this year, commercial masonry company W. Masonry was awarded the contract for the new CVS Pharmacy project in Williston. They will use a VCLF loan to finance their payroll until the contract’s completion. The company’s goal is to continually submit bids and maintain a steady stream of projects to retain these employees after completion of the CVS project. This loan meets VCLF’s mission by creating three and retaining two quality jobs.

Mud City Kids Child Care Center, Morrisville
Mud City Kids Child Care Center, a for-profit, full-day, full-year child care facility, will use a VCLF loan to expand their existing child care program, adding 4,300 square feet onto their current building and increasing enrollment from 32 to 59 children, expanding their infant and preschool programs and adding an afterschool program. The loan has resulted in 47 child care slots retained, 12 new slots created, with 50% of the slots used by families receiving child care subsidies. In addition, ten existing jobs were retained and six new jobs created.

Turtles ‘N Tots Daycare, Johnson
Turtles ‘N Tots, is a start-up child care center that meets a significant community need: there are no other licensed child care programs in Johnson or Hyde Park. Turtles ‘N Tots will use their VCLF loan for equipment, supplies and operating capital to cover operating costs during the start-up. The program is licensed to serve up to 54 children, ages 6 weeks to 12 years. The loan will result in 24 child care slots retained, and 26 new slots created; ninety percent of these slots will be used by families receiving child care subsidies. Additionally, the loan resulted in two jobs retained and eight new jobs created.

Addison County Community Trust – John Graham Shelter, Middlebury
Addison County Community Trust (ACCT) works to create and maintain affordable housing for low and moderate-income Vermonters in Addison County. They used this most recent VCLF loan to purchase an existing 3-bedroom condominium unit in Middlebury for transitional, emergency family housing. ACCT is working with Vermont State Housing Authority, Vermont Center for Independent Living, the John Graham Shelter and HOPE (Helping Overcome Poverty’s Effects) to make this unit available to and affordable for qualifying Section 8 voucher holders.