The Vermont Community Loan Fund (VCLF) finances projects that add value to Vermont communities while providing opportunities for low income Vermonters. Our mission is to strengthen Vermont by providing equitable access to capital for affordable housing, community facilities and small businesses.

Fueling our lending are investments from hundreds of socially responsible individuals, faith-based groups, foundations and corporations. Our investors provide critical lending capital, while at the same time meet their investment
goals.

Since its founding in 1987, VCLF has provided over $45 million through 539 loans, creating or retaining 1,059 jobs, 2,294 affordable housing units, and 1,379 child care slots.

(Shown above) A happy child at Mud City Kids in Morrisville. After successfully operating Mud City Kids as a home-based center, Tracy Patnoe decided to expand. With a loan from VCLF, Tracy and her husband, Ernie, purchased and renovated a single-family home, which now provides care to children aged six weeks to twelve years.

Employment Opportunities at VCLF Read our 2006 Annual Report. Read about VCLF borrower Eesa in Seven Days Introducing the VCLF Community Network. Use your I.R.A. to donate to VCLF! VCLF Borrowers - Enroll in the VCLF Community Network! VCLF Introduces the Child Care Predevelopment Grant Program VCLF has raised investment interest rates!