At a glance
From its website, read 2 Nov 2026Community Capital of Vermont, Inc. is a loan fund based in Barre, Vermont. Its website describes equipment loans, SBA-backed loans and small-business loans. Stated loan amounts run from $1,000 to $100,000. Where it lends: Vermont businesses. It says it considers borrowers with low or no credit history.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Lending | (802) 479-0167 source |
|---|---|
| info@communitycapitalvt.org source | |
| Website | www.communitycapitalvt.org |
| Office (official list) | PO Box 342, Barre, VT 05641 |
What their website says about applying
Call, email, or stop in to our office in Barre
sourcewe will need 2 years of personal or business tax returns and a business plan or cash flow projections.
sourceDownload Loan Application: Click Here to dowload the pdf and submit via postal mail or email to info@communitycapitalvt.org
sourceCall CCVT at 802-479-0167 and speak with one of our loan officers
source
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Rates and terms they state
Read 2 Nov 2026| Loan | Stated | Text on the lender's site (verbatim) | Page |
|---|---|---|---|
| Loans (general) | Rate stated, not as an APR: see their wording | Our current rates are 8% -10.5% for up to 5 years. | source |
As published on the lender's website on that date, not an offer or a quote. Your rate depends on the lender's review. A missing rate means the pages we read did not state one. For consumer loans we repeat a rate only when the lender states it as an APR (annual percentage rate, which includes fees); otherwise read the lender's own wording and ask for the APR.
Who qualifies, in their words
- Minimum credit score: 625
Loans over $50,000 require a minimum credit score of 625
source - Low or damaged credit considered
As with online lenders, we work with start-ups and people with less-than-perfect credit.
source - Collateral required
Yes, all business loans must be secured with collateral.
source - Business plan required
the two main components will be a well- developed Business Plan and two years of Cash-Flow Projections.
source
Only rules the lender's own pages state. Other requirements may apply.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Loan fund |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 15 Sep 2026 |
| RSSD ID | — (none listed) |
| Address | PO Box 342, Barre, VT 05641 |
| Website | www.communitycapitalvt.org |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Verified from lender site on 2 Nov 2026Read from 7 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: high. Product list comes mainly from FAQ examples; no separate product pages or online application were found. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Equipment loans | — | Loans for equipment and inventory | source |
| SBA-backed loans (7(a)/504/Community Advantage) | — | Yes, we offer SBA loans and can help you learn more about how the SBA’s many programs can help your business grow. | source |
| Small-business loans | — | Community Capital provides flexible business financing to people interested in starting or growing small businesses in Vermont. | source |
Loan sizes
Community Capital loans range from $1,000 to $100,000 and may be used to start or grow a business.
sourceLoans are available from $1,000 to $100,000.
source
Range used for the size filter: $1,000 to $100,000
Service area
Vermont businesses
Community Capital of Vermont or “CCVT” specializes in loans and lines of credit under $100,000 for Vermont businesses having difficulties finding funding through traditional lenders.
source
Statewide: Vermont
Borrower focus
- Low- and moderate-income / underserved
We work with diverse partners to strengthen downtowns and our rural economy by providing loans and business support to women, people with limited credit or collateral, and low-to-moderate income entrepreneurs.
source - Startups
Yes, CCVT regularly lends to start-ups.
source - Women
We work with diverse partners to strengthen downtowns and our rural economy by providing loans and business support to women, people with limited credit or collateral, and low-to-moderate income entrepreneurs.
source
Languages
- No non-English service found on the pages we read.
Online application
No online application link found on the pages we read.
Pages read (7)
- https://www.communitycapitalvt.org/
- https://www.communitycapitalvt.org/borrowers/business-advisory-services/
- https://www.communitycapitalvt.org/borrowers/existing-borrowers/
- https://www.communitycapitalvt.org/borrowers/is-community-capital-right-for-me/
- https://www.communitycapitalvt.org/borrowers/loan-process/
- https://www.communitycapitalvt.org/vermont-small-business-financing/
- https://www.communitycapitalvt.org/borrowers/frequently-asked-questions-faq/
Questions to ask when you contact them
Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- How long can I take to repay?
No repayment terms are stated on their website. - Can I apply online, or do I need to call or visit?
We found no online application on their website. - Do you offer free coaching or help preparing my application?
CDFI certification requires development services, such as training or advice, alongside lending. - What documents will you need from me, and how long does a decision usually take?
Their website describes some application steps (above); ask for the full document list.
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$950,000 in 3 awards from the U.S. Treasury's CDFI Fund, 2005–2021 (CDFI Program, Financial Assistance; CDFI Program, Technical Assistance; CDFI Rapid Response Program).
| Round year | Program | Amount |
|---|---|---|
| 2021 | CDFI Rapid Response Program | $200,000 |
| 2015 | CDFI Program, Financial Assistance | $700,000 |
| 2005 | CDFI Program, Technical Assistance | $50,000 |
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Size of the fund (IRS Form 990)
Fiscal year ending Dec 2023| Total assets | $3.6M |
|---|---|
| Total liabilities | $1.1M |
| Net assets | $2.5M |
| Total revenue | $325,527 |
| Notes and loans receivable, net (Part X line 7) | $1.6M |
End-of-year figures from the Form 990 this organisation filed with the IRS for the fiscal year ending December 2023 (tax year 2023; EIN 04-3642655, filed as “COMMUNITY CAPITAL OF VERMONT INC”), taken from the IRS Annual Extract of Tax-Exempt Organization Financial Data (returns processed in 2024). Figures are self-reported to the IRS, not audited by us, and lag one to two years behind today. The lender’s own annual report may show newer numbers. This organisation’s filings on ProPublica Nonprofit Explorer
Filings over time
| Fiscal year ending | Total assets | Net assets | Revenue | Notes and loans receivable |
|---|---|---|---|---|
| Dec 2021 (990) | $4.3M | $2.7M | $492,505 | $1.4M |
| Dec 2022 (990) | $3.9M | $2.6M | $244,254 | $1.2M |
| Dec 2023 (990) | $3.6M | $2.5M | $325,527 | $1.6M |
Total assets fell 17% from Dec 2021 to Dec 2023; notes and loans receivable rose 17%. One row per fiscal year in the IRS extracts of returns processed in 2022, 2023, 2024; “—” = the line was empty or zero on that return (a fund can book its loans on other lines).
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Largest loan its website states | $100,000 | Other loan funds whose website states a maximum: median $275,000. Higher than the stated maximum of 18% of these 184. |
| Total assets, latest IRS Form 990 | $3.6M | Larger than 17% of the 449 other certified loan funds and venture funds nationwide with a matched Form 990 (median $15.6M). |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Largest stated loan | other loan funds stating a maximum, nationwide | 184 | higher than 18% |
| Form 990 total assets | certified loan and venture funds with a Form 990, nationwide | 449 | larger than 17% |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered. Peer groups and sources: methodology. Form 990 figures: IRS annual extracts (see the Form 990 section).
Other certified CDFIs in Barre and Vermont
- VSJF Flexible Capital Fund L3CLoan fund · Montpelier, VTEquity / venture investment, Small-business loansVerified
- Vermont Community Loan Fund, Inc.Loan fund · Montpelier, VTAgriculture / farm loans, Child-care facility financing, Affordable housing development loans, Nonprofit / community facility loans…Verified
- Rutland West Neighborhood Housing Services, Inc.Loan fund · Rutland, VTOfficial list only
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