County directory · Vermont
CDFI lenders in Washington County, VT
3 are headquartered here. Sources: lender websites (29 Oct 2026–4 Nov 2026), the CDFI Fund list (21 Oct 2026).
- Name this county
- 0
- Based here
- 3
- Serve all of VT
- 0
None of the lender websites we read names Washington County; the lenders below are based here, have an office here or serve the whole state. Lenders based elsewhere may lend here too. Search your exact ZIP code in the finder to include lenders based nearby. Towns in this county: Adamant, Barre, Cabot, Calais, East Barre, East Calais, East Montpelier, Graniteville, Marshfield, Montpelier, Moretown, North Montpelier….
Lenders compared for Washington County
3 with local records| Lender | Local records | Loan sizes | Head office |
|---|---|---|---|
| 1. VSJF Flexible Capital Fund L3C Loan fund, Montpelier VT | headquarters here | $100,000–$500,000 | in the county |
| 2. Vermont Community Loan Fund, Inc. Loan fund, Montpelier VT | headquarters here | $5,000–$350,000 | 5 mi |
| 3. Community Capital of Vermont, Inc. Loan fund, Barre VT | headquarters here | $1,000–$100,000 | 6 mi |
3 of these 3 lenders have received CDFI Fund awards, together $18.2M in fiscal years 1996–2021 (CDFI Fund award database; each lender page lists its awards). An award funds the lender, not a particular borrower.
Order: how many kinds of local record we hold (its website names the county or a town in it, headquarters, a branch, SBA loans or HMDA home loans for borrowers here), then the number of those records, then the head office's distance from the county centre. Loan sizes are the range the lender's website states. It is not a rating and nobody pays for a place. SBA loans: SBA 7(a)/504 data (FY2020–FY2026, 3 or more shown); home loans: HMDA 2025 originations (3 or more shown); branches: FDIC/NCUA; distances are straight lines from the average position of the county's ZIP codes.
Where these lenders have offices
3 lenders3 head offices of 3 lenders on this page, within 30 miles of the centre of Washington County. Lenders with no office nearby may still lend here; many work by phone and online.
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loan types confirmed on these lenders' websites
- Small-business loans (3 lenders)
- Equipment loans (1 lender)
- SBA-backed loans (7(a)/504/Community Advantage) (1 lender)
- Equity / venture investment (1 lender)
- Agriculture / farm loans (1 lender)
- Child-care facility financing (1 lender)
- Affordable housing development loans (1 lender)
- Nonprofit / community facility loans (1 lender)
Small business and SBA lending in Washington County
Official statisticsMedian household income in Washington County is $83,449, 3% above the Vermont figure of $81,203 (ACS 2020–2024).
Businesses here took 68.5 SBA-backed loans per 1,000 employer businesses over FY2020–FY2026: more than the median Vermont county (53.3), rank 4 of 14.
| Measure | Washington County | Vermont |
|---|---|---|
| Businesses with paid employees (CBP 2023) | 2,118 (10.2% of the state) | 20,841 |
| …of which under 20 employees | 88% | 88% |
| Businesses without employees (Nonemployer Statistics 2023) | 6,288 | 65,028 |
| Median household income (ACS 2020–2024) | $83,449 (3% above the state) | $81,203 |
| SBA 7(a) and 504 approvals, all lenders, FY2020–FY2026 | 145 (118 7(a), 27 504) | 1,143 |
| …per 1,000 businesses with employees | 68.5 (rank 4 of 14 Vermont counties) | 53.3 (median county) |
| Median SBA 7(a) loan, all lenders | $72,500 | $75,000 |
| …with a certified CDFI as lender, CDC or third-party lender | 1 or 2 | 7 (1%) |
| Variable-rate 7(a): median rate over prime at approval, FY2024–26 | 3 pts (34 loans; 15% at the SBA maximum) | 3 pts (14% at the maximum) |
Approvals by fiscal year: FY2020 40 · FY2021 13 · FY2022 15 · FY2023 18 · FY2024 22 · FY2025 17 · FY2026 20.
For comparison, not an offer. SBA figures count approvals by every SBA lender for borrowers whose ZIP code lies in the county, not only CDFIs; approval is not disbursement. Rate over prime = the SBA's recorded initial rate minus the prime rate on the approval day; SBA caps it at 3 to 6.5 points depending on loan size (current prime rate and caps: methodology).
Sources: Census Bureau County Business Patterns 2023, Nonemployer Statistics 2023 and American Community Survey 2020–2024 (table B19013); SBA 7(a) & 504 FOIA data as of 30 Sep 2026; prime rate: FRED DPRIME; SBA maximums: SBA 7(a) terms. Downloaded 15 Nov 2026. How we compute these.
CDFI lending recorded here (FY2022)
CDFI Fund data, released Dec 202416 loans and investments totaling $2.6M (median $66,950) were reported to the CDFI Fund for borrowers and projects in Washington County in fiscal year 2022, by 6 reporting CDFIs.
| Purpose (CDFI Fund category) | Count | Total | Median |
|---|---|---|---|
| Non-real estate business | 6 | $791,668 | $90,290 |
| Non-real estate microenterprise | 4 | $130,000 | $30,000 |
| Home purchase | 3 | $781,650 | $144,000 |
| Other purposes | 3 | $875,000 |
CDFI banks and credit unions also reported 48 consumer loans in Washington County totaling $545,511 (Consumer Loan Report, tract totals, so no median); they counted 38% of them as serving low-income borrowers.
Loans and investments reported in other years: FY2018 9 · FY2019 19 · FY2020 11 · FY2021 36.
Only CDFIs that hold an active CDFI Fund award (CDFI Program, Native American CDFI Assistance or the CDFI Rapid Response Program) report these transactions, so this is not all lending by the certified CDFIs on this page. The Fund masks which CDFI made each loan, so we cannot say which lender listed here made them.
Source: CDFI Fund, CDFI/NACA/CDFI RRP Program Award Recipient Data Release, Transaction Level Report and Consumer Loan Report public files for fiscal year 2022 (released Dec 2024; downloaded 3 Nov 2026). Amounts are original loan or investment amounts as reported. Place = the 2010 census tract of each record. How we count.
Headquartered in Washington County
The official list gives a headquarters address here. Check each lender's page for where it lends.
- Community Capital of Vermont, Inc.Loan fund · Barre, VTEquipment loans, SBA-backed loans (7(a)/504/Community Advantage), Small-business loansVerified
- 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
Free help before you apply
These offices give free or low-cost advice: a Small Business Development Center or SCORE mentor can help with the business plan, cash-flow projections and paperwork most business lenders ask for, and a HUD-approved housing counselor can help with a homebuyer course, a budget or a missed mortgage payment. Some counseling agencies also lend; using their advice does not commit you to their loans. Call ahead to check hours and what they cover.
Business advice
- Vermont Small Business Development Center / Vermont State UniversitySmall Business Development Center · 124 Admin Drive, Randolph Center, VT 05060802-728-9101 · about 23 miles from the centre of Washington County
- Vermont SCORESCORE mentoring · 60 Main St., Suite 4, Burligton, VT 05401about 36 miles from the centre of Washington County
- Center for Women & Enterprise - VermontWomen's Business Center · 431 Pine St., Suite G01, Burlington, VT 05401802-391-4870 · about 36 miles from the centre of Washington County
Housing counseling
Sources: SBA local assistance listings, read 6 Nov 2026; HUD's list of approved housing counseling agencies (open-data version last updated 9 Apr 2025). For the current list and the services each agency offers, use the CFPB's housing counselor search (it uses HUD's list) or call HUD at 800-569-4287. Offices are placed by ZIP code, so distances are approximate.
Source: CDFI Atlas, cdfiatlas.com/states/vt/counties/washington-county/. © 2026 CDFI Atlas. Quoting with a link is welcome; republishing the pages or the compiled data is not (terms of use).