Your Investment is Safe with VCLF

1. The Loan Fund DOES NOT invest in the stock market!

• Not a penny of our investments or any of our other assets is invested in the stock market.
• Cash reserves, including the equity we keep liquid as a reserve against loan losses, are held entirely in bank money market accounts, bank certificates of deposit and short-term gov’t agency bonds
  
  

2. The Loan Fund protects your investment.

• VCLF currently manages $6.3 million in permanent equity, the first funds affected in the event of a loss to one of our loans.
• We keep more equity on-hand to offset potential losses than traditional financial institutions (i.e. banks).
  We have never lost a dollar of our investor’s money.
  
  

3. We do not finance residential mortgages.

• VCLF does not make loans for residential mortgages.
• VCLF’s affordable housing loan portfolio is comprised of loans to Vermont’s non-profit housing developers, who build or rehab affordable housing for rental or homeownership.
  
  

4. We fully collateralize the loans we make.

• 100% of our lending is secured by borrower collateral, whether with real estate or business assets and inventory.
  
  

5. VCLF retains a working relationship with our borrower even after the loan is closed.

• Historically, the Loan Fund has enjoyed extremely low loan losses because we continue to work so closely with our borrowers over the life of their loan.

6. Your investment is safe and stable with VCLF.

• With continued uncertainty and mounting losses plaguing the stock and bond markets, we consider ourselves a safe, stable environment that provides not only financial return but real community impacts.

7. Thank you for your support of the Loan Fund.

• We’re proud of our good works – feel free to give an example if you wish.
• We’re as safe and stable as we’ve always been, and we’re needed now more than ever.