We believe that quality early care & learning provide an essential foundation for our children's growth and development. We believe that a parent's ability to find quality care is an essential piece of any family's well-being.

Quality facilities are an essential component of quality early care & learning, so we provide loans and technical assistance for private, nonprofit, home- and center-based child care providers. We are especially interested in early care & learning programs that serve infants and toddlers, children from low- and moderate-income households and children with special needs.

Need more than just a loan? Our Business Resource Center provides FREE early care & learning business coaching to VCLF borrowers and loan applicants, including:

  • Business and financial strategy & planning
  • Accounting, budgeting & cash flow management
  • Personal financial coaching
  • Administration, operating & control systems
  • Service & product cost analysis
  • Marketing & market analysis
  • Facility design & layout
  • Partnerships & external resources


Need a grant to improve your early care & learning facility? The Building Bright Spaces for Bright Futures Fund may be able to help.

Want to make your voice heard? The Vermont Early Childhood Advocacy Alliance, a program of the Vermont Community Loan Fund, is an advocacy coalition aiming to improve public policy affecting young children in matters of health, safety, nutrition, economic security and early care & education. The Alliance works with early childhood professionals & providers, parents, employers and other stakeholders & organizations to craft an annual Legislative Agenda of early childhood priorities, providing year-round advocacy support to facilitate meaningful interactions with policymakers at key times during the decision-making process. Learn more, and add your voice!

Quality facilities are an essential component of quality early care & learning, so we provide loans and technical assistance for private, nonprofit, home- and center-based child care providers. We are especially interested in early care & learning programs that serve infants and toddlers, children from low- and moderate-income households and children with special needs.

Need more than just a loan? Our Business Resource Center provides FREE early care & learning business coaching to VCLF borrowers and loan applicants, including:

  • Business and financial strategy & planning
  • Accounting, budgeting & cash flow management
  • Personal financial coaching
  • Administration, operating & control systems
  • Service & product cost analysis
  • Marketing & market analysis
  • Facility design & layout
  • Partnerships & external resources


Need a grant to improve your early care & learning facility? The Building Bright Spaces for Bright Futures Fund may be able to help.

Want to make your voice heard? The Vermont Early Childhood Advocacy Alliance, a program of the Vermont Community Loan Fund, is an advocacy coalition aiming to improve public policy affecting young children in matters of health, safety, nutrition, economic security and early care & education. The Alliance works with early childhood professionals & providers, parents, employers and other stakeholders & organizations to craft an annual Legislative Agenda of early childhood priorities, providing year-round advocacy support to facilitate meaningful interactions with policymakers at key times during the decision-making process. Learn more, and add your voice!

BASIC ELIGIBILITY

We make loans to early care & learning programs that:

  • Operate under the regulations of the Vermont Child Care Licensing Division
  • Are licensed centers, or registered and licensed homes (or in process)
  • Participate, or plan to participate, in STARS, Vermont's child care quality recognition program

ACCEPTABLE USES

  • Improvements to meet Vermont Core Standards, state regulatory requirements or ADA accessibility standards
  • Facility purchase
  • Facility renovations to improve program quality and increase capacity
  • Purchase of equipment and materials

MAXIMUM LOAN AMOUNT

  • The current maximum loan amount will not exceed $350,000.

COLLATERAL

  • Collateral is required on fixed assets, inventory and receivables. VCLF may also require security in the form of personal guarantees, collateral on personal assets or a cosigner.

RATES AND TERMS

  • Interest rates as low as 5%.
  • Term, rate and repayment schedule is project specific and based on project focus, potential for social impact and the strength of your application. Amortization ranges from several months up to 30 years.
  • There is an application fee of $25. An origination fee totaling 1% of the total loan amount and a loan documentation fee of $125 are due upon closing. Expenses incurred for the recording of collateral documentation and anticipated discharges of such documentation are also due at closing.

BASIC ELIGIBILITY

We make loans to early care & learning programs that:

  • Operate under the regulations of the Vermont Child Care Licensing Division
  • Are licensed centers, or registered and licensed homes (or in process)
  • Participate, or plan to participate, in STARS, Vermont's child care quality recognition program

ACCEPTABLE USES

  • Improvements to meet Vermont Core Standards, state regulatory requirements or ADA accessibility standards
  • Facility purchase
  • Facility renovations to improve program quality and increase capacity
  • Purchase of equipment and materials

MAXIMUM LOAN AMOUNT

  • The current maximum loan amount will not exceed $350,000.

COLLATERAL

  • Collateral is required on fixed assets, inventory and receivables. VCLF may also require security in the form of personal guarantees, collateral on personal assets or a cosigner.

RATES AND TERMS

  • Interest rates as low as 5%.
  • Term, rate and repayment schedule is project specific and based on project focus, potential for social impact and the strength of your application. Amortization ranges from several months up to 30 years.
  • There is an application fee of $25. An origination fee totaling 1% of the total loan amount and a loan documentation fee of $125 are due upon closing. Expenses incurred for the recording of collateral documentation and anticipated discharges of such documentation are also due at closing.
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Little Dippers Doodle Children’s Center, Lyndonville

With demand for affordable, high-quality early care & education program far exceeding availability in the Lyndonville/Burke/St. Johnsbury area, Little Dippers Doodle came to the Loan Fund for help financing an expansion of their existing program with construction of a new and larger facility. The program has grown to serve 180 children and employ 30 child care providers

https://www.facebook.com/Little-Dippers-Doodle-Childrens-Center-111692865560163/

Little Dippers Doodle Children’s Center, Lyndonville

With demand for affordable, high-quality early care & education program far exceeding availability in the Lyndonville/Burke/St. Johnsbury area, Little Dippers Doodle came to the Loan Fund for help financing an expansion of their existing program with construction of a new and larger facility. The program has grown to serve 180 children and employ 30 child care providers

https://www.facebook.com/Little-Dippers-Doodle-Childrens-Center-111692865560163/

Little Dippers Doodle Children’s Center, Lyndonville

With demand for affordable, high-quality early care & education program far exceeding availability in the Lyndonville/Burke/St. Johnsbury area, Little Dippers Doodle came to the Loan Fund for help financing an expansion of their existing program with construction of a new and larger facility. The program has grown to serve 180 children and employ 30 child care providers

https://www.facebook.com/Little-Dippers-Doodle-Childrens-Center-111692865560163/

Little Dippers Doodle Children’s Center, Lyndonville

With demand for affordable, high-quality early care & education program far exceeding availability in the Lyndonville/Burke/St. Johnsbury area, Little Dippers Doodle came to the Loan Fund for help financing an expansion of their existing program with construction of a new and larger facility. The program has grown to serve 180 children and employ 30 child care providers

https://www.facebook.com/Little-Dippers-Doodle-Childrens-Center-111692865560163/

Little Dippers Doodle Children’s Center, Lyndonville

With demand for affordable, high-quality early care & education program far exceeding availability in the Lyndonville/Burke/St. Johnsbury area, Little Dippers Doodle came to the Loan Fund for help financing an expansion of their existing program with construction of a new and larger facility. The program has grown to serve 180 children and employ 30 child care providers

https://www.facebook.com/Little-Dippers-Doodle-Childrens-Center-111692865560163/

Little Dippers Doodle Children’s Center, Lyndonville

With demand for affordable, high-quality early care & education program far exceeding availability in the Lyndonville/Burke/St. Johnsbury area, Little Dippers Doodle came to the Loan Fund for help financing an expansion of their existing program with construction of a new and larger facility. The program has grown to serve 180 children and employ 30 child care providers

https://www.facebook.com/Little-Dippers-Doodle-Childrens-Center-111692865560163/