Building Community,
one business at a time!


Community Capital offers two flexible commercial financing options that match short-term, seasonal, and long-term borrowing needs.

Traditional Amortizing Business Loan up to $50,000

Use For: start-up, equipment, inventory, real estate acquisition and improvement, and in some cases refinancing of existing business debt.

Terms: up to 5 years or longer with balloon at 5 years.

Amount: $1,000 to $50,000 in Lamoille, Orange, and Washington counties. $25,000 in the rest of the State. If you are requesting up to $5,000, you may be eligible for our special Steps-to-Success microloan program funded through the USDA Rural Business Enterprise Grant (limited to specific towns in Washington County, contact a loan officer for details.).

Revolving Lines of Credit up to $25,000

Use For: short-term working capital for seasonal businesses.

Terms: up to 12 months.

Maximum: $5,000 to $25,000.


Post-Loan Technical Assistance

If your loan request is approved, you will be eligible for up to 10 hours with a local consultant of your choice for hands-on business management and industry assistance. Also, our Business Education Grant program of up to $250 per borrower will help you cover the cost of attending business workshops and trade shows.

Click here for details.

Cost of a Community Capital Loan

Community Capital charges interest rates that are higher than what a conventional bank or credit union would charge for a commercial loan. However, our rates are still reasonable and we provide a lot of additional benefit to your loan (see Post Loan Technical Assistance). Our loans are priced based on the risk we take. Loans are priced two to four points above Wall Street Journal Prime and are fixed for the life of the loan at closing. For information on interest rates and other costs associated with applying for and receiving a loan from Community Capital, click here.


Contact a Community Capital Loan Officer directly to introduce yourself and get answers to your questions about applying for financing with Community Capital. Good luck!