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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

The Vermont Community Loan Fund has been named the 2015 Vermont Mission Lender of the Year by the U.S. Small Business Administration (SBA) Vermont District Office. SBA Region 1 Administrator Seth Goodall and SBA Vermont District Director Darcy Carter presented the award to VCLF Executive Director Will Belongia at the SBA Annual Meeting and Awards Breakfast in Montpelier on December 9th.


“Financial institutions that made SBA loans in FY15 played a key role in supporting small business and economic development in Vermont,” said Carter. “SBA loans provide low-cost capital to start-ups and small businesses on reasonable terms,” she added.

SBA’s Microloan program loan capital for small business owners through intermediary, local lenders like the Vermont Community Loan Fund. VCLF reviews and administers these loans to eligible small business owners throughout Vermont.

Since making its first SBA-financed microloan in 2010, VCLF has loaned almost $2,000,000 in SBA-provided funds to 65 Vermont small businesses and child care programs, creating and saving 224 jobs. In 2015, VCLF issued eight SBA micro-loans totaling $140,000 VCLF’s current SBA-financed loan portfolio consists of 28 businesses with over $500,000 outstanding.

In 2015, VCLF became an SBA Community Advantage loan guarantee lender. The Community Advantage program guarantees loans up to 85% of their value, enabling qualifying applicants with strong credentials but fewer assets to access loans of up to $250,000. In its first year of lending through the program, the Loan Fund made three Community Advantage loans totaling $300,000, saving or creating 28 Vermont jobs.

Accepting the Vermont Mission Lender of the Year Award, VCLF Executive Director Will Belongia said “We’re so grateful for SBA financing that has positively impacted tens of thousands of Vermonters to date. The loan capital from their Microloan enables VCLF to better serve Vermont’s small businesses and sole proprietorships.”

“The Community Advantage program has further extended our reach, resources and services to highly promising Vermont businesses, making it possible for qualified borrowers to make significant next steps in their growth,” Belongia added.

In addition to funding, VCLF provides borrowers with a broad range of business skills training, as part of their overall commitment to extend tools and services that will help borrowers succeed.