At a glance
From its website, read 2 Nov 2026VSJF Flexible Capital Fund L3C is a loan fund based in Montpelier, Vermont. Its website describes equity investment and small-business loans. Stated loan amounts run from $100,000 to $500,000. Where it lends: New England companies.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Website | www.flexiblecapitalfund.com |
|---|---|
| Office (official list) | 3 Pitkin Court Suite 301E, Montpelier, VT 05602 |
What their website says about applying
Ready to Learn More? Contact us to discuss how the Flex Fund can support your business growth.
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) | Term: see their wording | Typical Term 5 to 7 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.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Loan fund |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 12 Jul 2025 |
| RSSD ID | — (none listed) |
| Address | 3 Pitkin Court Suite 301E, Montpelier, VT 05602 Directions (Google Maps) |
| Website | www.flexiblecapitalfund.com |
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 2 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: medium. Offers revenue-based financing and investments for growth-stage companies rather than conventional loan products. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Equity / venture investment | — | Equity, warrants, hybrid structures as appropriate for the industry, mission and stage of business. | source |
| Small-business loans | — | We offer subordinated debt and revenue-based financing to growth-stage companies in resilient agriculture, forest products, and clean tech. | source |
Service area
New England companies
We invest in New England companies that strengthen food systems, forest products, and clean technology sectors.
source
Borrower focus
- Not stated on the pages we read.
Languages
- No non-English service found on the pages we read.
Online application
No online application link found on the pages we read.
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.
- What interest rate and fees should I expect on your small-business loans?
Their website does not state a rate for this. - Do you need collateral, a business plan or a minimum time in business?
Their website does not say what they require. - 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$2.4 million in 4 awards from the U.S. Treasury's CDFI Fund, 2014–2021 (CDFI Program, Financial Assistance; CDFI Program, Technical Assistance; CDFI Rapid Response Program).
| Round year | Program | Amount |
|---|---|---|
| 2021 | CDFI Rapid Response Program | $1,012,000 |
| 2020 | CDFI Program, Technical Assistance | $125,000 |
| 2016 | CDFI Program, Financial Assistance | $700,000 |
| 2014 | CDFI Program, Financial Assistance | $600,000 |
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.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Largest loan its website states | $500,000 | Other loan funds whose website states a maximum: median $250,000. Higher than the stated maximum of 63% of these 184. |
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 63% |
“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.
Other certified CDFIs in Montpelier and Vermont
- Vermont Community Loan Fund, Inc.Loan fund · Montpelier, VTAgriculture / farm loans, Child-care facility financing, Affordable housing development loans, Nonprofit / community facility loans…Verified
- Community Capital of Vermont, Inc.Loan fund · Barre, VTEquipment loans, SBA-backed loans (7(a)/504/Community Advantage), Small-business loansVerified
- Rutland West Neighborhood Housing Services, Inc.Loan fund · Rutland, VTOfficial list only
Work at VSJF Flexible Capital Fund L3C? Link to this page
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