Creating a more just
& thriving Vermont, together

We’re a mission-driven, community-focused lender investing in people and places across Vermont.

With capital from impact-minded investors, we provide loans and support to local businesses, child care programs, community spaces, and affordable housing developers to create opportunity and lasting change.

A woman with short black hair, wearing a light blue t-shirt, jeans, and a white watch, smiling while sitting in a restaurant with wooden chairs, tables, and warm lighting from wicker pendant lamps.

Two women shaking hands outdoors near a small construction site, with rocks and a tractor visible in the background.

Three people having a conversation in a room with a fireplace, a vase of flowers, and artwork on the mantel

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Invest

Borrow

Since 1987
Million
Loaned to Vermonters
Affordable Homes Financed
Jobs Created & Preserved
Children in Quality Care

We finance Vermont’s communities

Small Businesses

Early Childhood Education

Community Facilities

Affordable Housing

Our loans address the needs of Vermonters while making capital more accessible.

Explore our loan programs

Impact investors make it possible

We make it easy to invest close to home and support projects that strengthen communities across the state.

Become an impact investor

See what’s new

Green Mountain Technology and Career Center students didn't just learn building skills this year — they built homes! 🏘️

Last night marked the completion of an energy-efficient duplex in Greensboro Bend, a collaboration between the Greensboro

🔨 Wyatt Lackie is a senior at Randolph Technical Career Center and for the past two years, he’s helped build a townhouse duplex in Randolph through our partnership with @cvhabitat4humanity.

🏡 These homes are now complete and have been sold

Yaad means home. For Shaneall Ferron, the owner of @thingzfromyaadvt, that's the whole idea.

Shaneall learned to cook in her mom's kitchen in Jamaica, where the door was always open and there was always extra food for whoever stopped by. When she mo

Tired of hearing about trillionaires and billionaires? Us too.

Instead, join us in Montpelier on Wednesday and hear how your investments can actually help Vermont's small businesses, affordable housing, and early childhood education programs get the

Are you a numbers person who cares about community? We're hiring! VCLF is looking for a Senior Staff Accountant to join our team. 🌱

A few of the responsibilities include:

🟢Managing general ledger accounting and financial statements
🟢Supporting a

We're wishing a fond farewell to Kayla Neer today, our Senior Staff Accountant, as she heads back home to Michigan. She's been a valued part of our finance team this past year, and we're sending her off with gratitude and good wishes. Thank you, Kaly

Meet Meadowbrook Health Services! ✨

This new nonprofit will soon bring primary care, behavioral health, and substance use treatment services all under one roof, designed to meet the needs of marginalized individuals.

Meadowbrook will focus on mini

Follow along on instagram

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Real Impact

“VCLF can go above and beyond what a bank can do, and that has had real value to us for decades.”

- Michael Monte, Champlain Housing Trust

Support our work

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Your donation helps to build what Vermont’s communities need most.

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Creating a more just& thriving Vermont, together