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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

Loans Help Create Vermont Jobs, Affordable Homes and Quality Child Care

The Vermont Community Loan Fund (VCLF) loaned $837,212 in the 3rd quarter of 2014 to Vermont's small businesses, community facilities, child care programs and developers of affordable housing. These loans have created or preserved quality jobs, affordable homes, quality child care and other essential services for Vermonters throughout the state.

“VCLF’s ability to work closely with our borrowers, to provide not just the financing but the supporting services they need – we’re needed now more than ever before. The impacts of VCLF’s work are improving the health of our communities and the quality of life for hundreds of Vermonters,” said VCLF Executive Director Will Belongia.

Projects financed include:

Addison County Community Trust, Middlebury
ACCT creates and maintains affordable housing for lower-income Vermonters in Addison County. In 2011, they acquired a property on Washington Street Extension in Middlebury, currently under development to create 12 new affordable senior homes. This latest VCLF loan will finance their acquisition of an adjacent property for future development.

Bristol Family Center, Bristol
A nonprofit, STARS-rated early care and education program, Bristol Family Center is also a special services provider, coordinating care and support services with area agencies. They’re using VCLF financing to renovate outdoor play spaces. This loan preserves quality care for 51 children and led to the creation of seven new child care slots, as well as the preservation of 11 jobs.

Living Well Community Care Home, Bristol and Burlington
Vermont will soon become the seventh “oldest” state, given our rapidly rising median age. This aging creates a critical need for facilities like Living Well Community Care Home, a nonprofit residential care and assisted living care organization with facilities in Bristol and Burlington providing care for 49 seniors and support services jobs for 13 Vermonters. Living Well opened an operating line of credit account with VCLF this year.

Maiden Lane, Burlington
In Burlington’s historic Old North End, housing is scarce, and affordable housing even scarcer: the long-term vacancy rate averages 1%. The mixed-use development currently underway on Maiden Lane will include four new affordable homes and create 31 construction jobs.

Off the Beaten Trail, Newark
The Burke Mountain resort area brings tourists in search of care and boarding for their dogs, providing a niche for this start-up kennel and doggie daycare business. Owner Jeff Scarpino is using a VCLF loan to add kennels, fencing, signage and equipment.

SunCommon, Waterbury
SunCommon makes solar energy affordable and attainable, even for homes where a residential installation isn’t optimal. SunCommon has pioneered the idea of “group net metering” in Vermont, where the electricity generated by a collectively owned array is credited to an assigned collaborative of utility customers. SunCommon used VCLF financing to install two new group net metering arrays, the first one located in Waltham.

Rollo Cedar Sawmill of Vermont, Swanton
David Rollo buys whole logs from local loggers and turns them into value-added lumber and shavings for livestock bedding. A new VCLF loan will help him acquire logs to meet his current demand.

Wild Wood Vermont, Hinesburg
Wild Wood Vermont custom creates high-quality wooden travel mugs with stainless steel liners. They’ll use a VCLF loan to purchase the stainless liners in bulk. Recently, they began purchasing wood from another VCLF borrower –Rollo Cedar Sawmill of Vermont.