VCLF's Next Generation Fund gives impact investors the opportunity to invest in highest-quality early care & learning...a brighter future for the next generation of Vermonters.

Our Next Generation Fund is expanding the capital and business coaching resources that VCLF makes available to support quality child care programs throughout Vermont.

EARLY CARE & LEARNING:
OUR CHILDREN, OUR FAMILIES, OUR FUTURE

When our children receive quality early care, they reach school age better prepared to learn by any number of standards: social and emotional development, communications, cognitive development and general knowledge, physical health and well-being ”“ all of these measures improve significantly with quality early care. When our children benefit from early care and education, their future is brightest: they’re more likely to complete their formal education and join a productive workforce. They’re less likely to engage in violence or crime. VCLF believes that quality early care is essential to the well-being of the next generation of Vermont’s students, workers and citizens.

Of course, children aren’t the only beneficiaries of quality early care. When a family has access to quality child care, parents can go to work knowing their children are safe and learning. A thriving, engaged workforce drives a strong and growing economy, fostering health, financial stability and well-being for families and communities here in Vermont, and beyond. Our state’s economy is further supported by a thriving child care industry that provides both quality care and quality jobs.


TOGETHER, WE'RE MAKING A DIFFERENCE

In the fall of 2012, VCLF contracted for an outside assessment of our Child Care Loan Program to measure the impact of more than a decade of work. The resulting Child Care Lending Program Assessment report demonstrates that the Program has created significant benefits for the providers, children and families we’ve served:

  • VCLF creates greater access to quality early care: 85.6% of infants/toddlers in VCLF borrowers’ care are in high-quality programs, compared to 39% statewide average.
  • VCLF serves more low-income families: 44.8% of children enrolled in VCLF borrower programs are low-income, compared to 30% statewide average.
  • VCLF creates higher wages: Average hourly wages at VCLF borrower programs were $12.28, compared to $10.63 statewide.
  • VCLF increases the quality of early care: 66% of home-based programs and 70% of centers served by VCLF are enrolled in the state’s STARS quality assessment program, compared to 9% and 54%, respectively, statewide.
  • VCLF increases food program participation: 55% of home-based programs and 63% of centers served by VCLF are enrolled in the USDA food program, compared to 54% and 23%, respectively, statewide.
The findings speak for themselves: the Vermont Community Loan Fund's innovative approach to financing and supporting Vermont’s child care industry WORKS. It works for providers and programs of all shapes, sizes and stages of growth, and it works for the children and families receiving quality care.



Our Next Generation Fund is expanding the capital and business coaching resources that VCLF makes available to support quality child care programs throughout Vermont.

EARLY CARE & LEARNING:
OUR CHILDREN, OUR FAMILIES, OUR FUTURE

When our children receive quality early care, they reach school age better prepared to learn by any number of standards: social and emotional development, communications, cognitive development and general knowledge, physical health and well-being ”“ all of these measures improve significantly with quality early care. When our children benefit from early care and education, their future is brightest: they’re more likely to complete their formal education and join a productive workforce. They’re less likely to engage in violence or crime. VCLF believes that quality early care is essential to the well-being of the next generation of Vermont’s students, workers and citizens.

Of course, children aren’t the only beneficiaries of quality early care. When a family has access to quality child care, parents can go to work knowing their children are safe and learning. A thriving, engaged workforce drives a strong and growing economy, fostering health, financial stability and well-being for families and communities here in Vermont, and beyond. Our state’s economy is further supported by a thriving child care industry that provides both quality care and quality jobs.


TOGETHER, WE'RE MAKING A DIFFERENCE

In the fall of 2012, VCLF contracted for an outside assessment of our Child Care Loan Program to measure the impact of more than a decade of work. The resulting Child Care Lending Program Assessment report demonstrates that the Program has created significant benefits for the providers, children and families we’ve served:

  • VCLF creates greater access to quality early care: 85.6% of infants/toddlers in VCLF borrowers’ care are in high-quality programs, compared to 39% statewide average.
  • VCLF serves more low-income families: 44.8% of children enrolled in VCLF borrower programs are low-income, compared to 30% statewide average.
  • VCLF creates higher wages: Average hourly wages at VCLF borrower programs were $12.28, compared to $10.63 statewide.
  • VCLF increases the quality of early care: 66% of home-based programs and 70% of centers served by VCLF are enrolled in the state’s STARS quality assessment program, compared to 9% and 54%, respectively, statewide.
  • VCLF increases food program participation: 55% of home-based programs and 63% of centers served by VCLF are enrolled in the USDA food program, compared to 54% and 23%, respectively, statewide.
The findings speak for themselves: the Vermont Community Loan Fund's innovative approach to financing and supporting Vermont’s child care industry WORKS. It works for providers and programs of all shapes, sizes and stages of growth, and it works for the children and families receiving quality care.



RATES & TERMS

Investors in the Next Generation Fund will earn up to a 1% return (fixed) on their investment. Next Generation Fund investments will have a term no less than five years.



  • CLICK HERE to download everything you need to invest in the Next Generation Fund.
  • CLICK HERE to read the Child Care Lending Program Assessment.
  • CLICK HERE to listen to Vermont Public Radio's story about the Next Generation Fund.

RATES & TERMS

Investors in the Next Generation Fund will earn up to a 1% return (fixed) on their investment. Next Generation Fund investments will have a term no less than five years.



  • CLICK HERE to download everything you need to invest in the Next Generation Fund.
  • CLICK HERE to read the Child Care Lending Program Assessment.
  • CLICK HERE to listen to Vermont Public Radio's story about the Next Generation Fund.
Borrow

Borrow Today

Learn more about Borrowing with VCLF or contact us today to get started!

Invest

Invest Today

Learn more about Investing with VCLF or contact us today to get started!