Community Capital of Vermont

What Community Capital of Vermont does

Community Capital of Vermont (CCVT) is a 501(c)(3) nonprofit Community Development Financial Institution (CDFI) founded in 1995 and headquartered in Barre, Vermont. The organization provides flexible small-business financing, including term loans of $1,000 to $100,000 at fixed interest rates of 8%-10.5% and revolving lines of credit, to Vermont entrepreneurs who cannot access traditional bank financing. Lending is paired at no additional cost with pre- and post-loan Business Advisory Services, including business planning, financial projections, QuickBooks training delivered by certified ProAdvisors, marketing assessments, and website/social media support.

CCVT operates as a microloan intermediary under the US Small Business Administration's Microloan Program and draws capital from USDA Rural Development programs (Rural Microentrepreneur Assistance Program and Intermediary Relending Program), Vermont's JobStart program, foundations, philanthropists, and Vermont Municipal Revolving Loan Funds. It also administers municipal revolving loan funds on behalf of Vermont towns. Since inception, CCVT reports deploying over $8.8M across nearly 400 Vermont small businesses, with $2.9M deployed in the most recent 18 months at an average loan size of $23K; 84% of loans have gone to women, low-to-moderate income individuals, and start-ups.

The go-to-market is sales-led and partnership-driven: borrowers are sourced through direct outreach, online loan inquiry, and a referral network spanning banks, credit unions, regional development corporations, agricultural credit companies, downtown associations, and the Vermont Small Business Development Center. Revenue is generated primarily through interest income on the loan portfolio and origination/application fees ($50 application, 1% origination on term loans, 2% on lines of credit), with operating costs kept low by a 1-10 employee team supplemented by the embedded Business Advisory Services offering.

Name

Community Capital of Vermont

Legal name

Community Capital of Vermont

Website

https://www.communitycapitalvt.org

Company type

Private

Founded year

1995

Operating status

Operating

Headcount range

1–10 employees

Short description

Community Capital of Vermont is a nonprofit CDFI founded in 1995 in Barre, Vermont that provides microloans ($1,000-$100,000) and free business advisory services to women, low-to-moderate-income, and startup entrepreneurs who lack access to traditional bank financing across the state.

Ownership category

akta.pro rank

Product category

Community Development Finance

NAICS

Civic and Social Organizations (813410)

SIC

Short-Term Business Credit Institutions (6153)

akta.pro primary industry

Microloans & Working Capital Loans (FSAKAGAA)

akta.pro secondary industries

Secured Microloans (Community/Nonprofit, Collateralized) (FSAKALAJ), Agricultural & Rural Microfinance (FSAKAGAG), SME Term Loans & Growth Capital (FSAKAGAB), Microfinance, Financial Inclusion & Inclusive Markets (BPAGABAM)

Keywords

• Small business lending
• Microloan programs
• Community development finance
• Business advisory services
• CDFI lending

Headquarters

HQ city

Barre

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Microloan Interest Income: Community Capital generates revenue through interest on microloans to Vermont small businesses, ranging from $1,000 to $100,000. Interest rates range from 8% to 10.5% fixed. As a nonprofit CDFI, revenue supports their mission to serve underserved entrepreneurs.

Pricing tiers

Go-to-market motion2 records

Distribution channels2 records

Marketing channels5 records

Core offering

Community Capital of Vermont provides microloans ranging from $1,000 to $100,000 (term loans and lines of credit up to $50,000) along with free business advisory services to small businesses in Vermont that lack access to traditional bank financing. The organization focuses on women, low- and moderate-income, and start-up entrepreneurs, and supplements lending with personalized one-on-one technical assistance, workshops, and QuickBooks training delivered by certified advisors.

Product overview

Community Capital of Vermont operates as a Community Development Financial Institution (CDFI) providing flexible small business financing and advisory services. The core offering consists of Small Business Loans (ranging from $1,000 to $100,000 with fixed rates of 8%-10.5%) and Lines of Credit for existing businesses with seasonal cash flow needs. These financial products are bundled with complimentary Business Advisory Services, including business planning, financial projections, QuickBooks training, and marketing support. The organization serves entrepreneurs who lack access to traditional bank financing, including women, low-to-moderate income individuals, and startup businesses.

Differentiator

Problem solved

Functional benefit

Products and services

• Small Business Loans (Term Loans) Fixed-term microloans ranging from $1,000 to $100,000 for Vermont small businesses that lack access to traditional bank financing, with fixed interest rates between 8% and 10.5% and flexible terms including interest-only and seasonal payment options.
• Lines of Credit Revolving credit lines up to $50,000 for Vermont small businesses needing flexible access to working capital, with a 2% origination fee and the same flexible terms as term loans.
• Business Advisory Services Free one-on-one technical assistance and workshops for current and prospective borrowers, including financial analysis, QuickBooks training, and ongoing coaching delivered by certified ProAdvisors to help small businesses build financial management skills.

Quantifiable outcome

• 84% of loans go to women, lower-income individuals, and start-ups
• +4 more outcomes

Named customers15 records

Segments5 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Six partnerships are on record, tiered core and minor.

• Banks and Credit UnionscoreChannel Partner/ Reseller/ DistributorBorrower referrals from banks and credit unions are crucial to Community Capital's success. As a mission-based lender, Community Capital sees opportunity where other institutions see risk, supporting borrowers who banks and credit unions are not able to serve.
• Vermont Small Business Development CentercoreStrategic or Co-development PartnerCommunity Capital offers business advising to borrowers and works with VT Small Business Development Center advisers. The goal is to find the best adviser for each business.
• Center for Women & EnterpriseminorStrategic or Co-development PartnerCollaboration for QuickBooks training workshops, bringing hands-on training in QuickBooks accounting software to Burlington.
• Regional Development CorporationscoreChannel Partner/ Reseller/ DistributorCommunity Capital partners with Vermont's network of Regional Development Corporations for local and regional development assistance and small business outreach.
• Downtown AssociationsminorChannel Partner/ Reseller/ DistributorPartnership with downtown vibrancy organizations to strengthen Vermont's downtowns and support small business growth.
• Agricultural Enterprise Credit CompaniesminorChannel Partner/ Reseller/ DistributorPartnership with agricultural credit companies to support farming and agricultural businesses in Vermont.

Scale indicators10 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• Vermont Community Loan Fund: Vermont-based CDFI providing flexible financing to small businesses and nonprofits that lack access to traditional capital. Most direct peer—same Vermont geography, same CDFI certification, same mission-driven small-business lending focus.
• Opportunities Credit Union: Vermont-headquartered CDFI-certified credit union providing small business loans, microloans, and financial services to underserved Vermonters. Comparable CDFI mission, Vermont footprint, and small-business borrower focus, though structured as a credit union rather than a nonprofit intermediary.
• Coastal Enterprises Inc. (CEI): Maine-based CDFI providing small business loans, advisory services, and rural development financing. Directly comparable operating model—nonprofit CDFI with bundled advisory, USDA/SBA programs, and rural New England geography.
• MaineStream Finance: Maine-based CDFI and SBA Microloan Intermediary offering small business loans and business advisory to underserved entrepreneurs. Closely mirrors Community Capital's microloan intermediary structure, mission, and bundled advisory approach.
• Justine Petersen Housing & Reinvestment Corporation: National SBA Microloan Intermediary and CDFI providing small business microloans and credit-building services to low-income entrepreneurs. Directly comparable product set (microloans + advisory) and target demographic.
• DreamSpring: National CDFI and SBA Microloan Intermediary providing small business loans ($500–$100K) and advisory to underserved entrepreneurs, especially women and minority-owned businesses. Directly comparable SBA microloan model, loan-size range, and target borrower profile.
• LiftFund: One of the largest SBA Microloan Intermediaries and CDFIs in the US, providing small business loans and business advising to minority, women, and low-income entrepreneurs across multiple states. Comparable mission, product set, and bundled advisory delivery.

Regional players

• Genesis Community Loan Fund (Vermont): Vermont-based nonprofit CDFI providing small business financing, homebuyer education, and foreclosure-prevention counseling. Comparable CDFI certification and Vermont footprint, though it also runs housing programs alongside small business lending.

Broad incumbents

• Accion Opportunity Fund: National CDFI providing small business loans (typically $5K–$100K) and advisory to small business owners lacking access to traditional credit. Comparable microloan size range, target demographic, and CDFI model, though operates at significantly larger scale nationally.

Others

• Vermont Small Business Development Center (VtSBDC): Statewide SBA-funded small business advising network that partners directly with Community Capital to provide free advising to borrowers. Strategic ecosystem partner delivering the business advisory component that complements Community Capital's loan capital.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/channel/UCynKINj14VK8XodHF2ycvIw
• Facebookfacebook.com/communitycapitalofvermont

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles10 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Community Capital of Vermont