FINANCE & LENDING

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Whether starting a new business, or growing an existing one, the place to start when seeking financing is a commercial lender.  They have the staff and expertise to review the financial needs, assess risk and provide competent and confidential advice about borrowing for real estate, leasehold improvements, inventory, machinery and equipment or working capital.  They are knowledgeable about a wide range of programs and enhancements that increase access to capital, and if necessary, look for ways to partner with alternative lenders such as the Vermont Economic Development Authority, the U.S. Small Business Administration or other lending entities that just might make the deal bankable.

It’s important for entrepreneurs to know that although banks are in the business of lending, they are also seeking new customers or working hard to retain existing ones, and can bring several other business tools that are critical to one’s success in today’s business environment. They have a vested interest in not only the success of every business but also in growing management’s net worth as they examine all options on behalf of the borrower.

292 N. Main Street   802-476-0030

 

316 N. Main Street   802-476-6565

 

315 N. Main Street   802-476-4135

 

361 N. Main Street   802-476-4107

 

289 N. Main Street   802-476-2400

 

36 N. Main Street   802-479-3313

OTHER LENDERS

Within the State and the region, there are alternative lenders who exist for the primary purpose of lending to stimulate the economy and create employment.  In many cases, they partner with commercial lenders, and in others they make direct loans to small businesses and start-ups.  Many businesses exist because of the additional risks these entities are willing to take.

COMMUNITY CAPITAL OF VERMONT

Offers financing and other assistance to businesses in central Vermont that do not yet meet all the requirements for traditional bank financing.  Will be taking over Job Start from VEDA, below.

107 N. Main Street
Barre, VT
802-479-0167   www.cvcapital.org

CENTRAL VERMONT ECONOMIC DEVELOPMENT CORPORATION CVEDC

CVEDC manages the SOAR Techncial Assistand and Revolving Loan Fund for small businesses in Central Vermont. To learn more about accessing technical assistance or making application for a loan contact Jamie Stewart or Dawn Magnus at 802-223-4654.

https://cvedc.org/cvedc-rlf/

USDA BUSINESS & INDUSTRY LOAN GUARANTEE PROGRAM AND OTHER BUSINESS PROGRAMS

802-828-6031   https://www.rd.usda.gov/vt    https://www.rd.usda.gov/programs-services/business-industry-loan-guarantees

VERMONT COMMUNITY LOAN FUND

Financing for real estate, fixed assets, operating capital, line of credit, purchase order financing, and debt restructuring. VCLF accepts applications for the Barre Loan Fund, a revolving loan fund to assist existing and new businesses in Barre Town and Barre City.  Contact Dan Winslow dan@vclf.com

802-223-1448   www.vclf.org

VERMONT ECONOMIC DEVELOPMENT AUTHORITY (VEDA)/VERMONT JOB START

VEDA manages a wide range of low-cost lending programs for small and medium sized businesses.  Lending is customized to best fit a business’s particular needs. Vt Job Start loans can be used to start, strengthen or expand small businesses. Financing uses include equipment, inventory and operating capital.

802-828-5627   www.veda.org

Northern Power Systems at Wilson Industrial Park in Barre, VT.