Vermont Farm Fund

VFF operates as a true revolving loan fund - as the community of recipients pays back their loans, funds are replenished for the next cycle of borrowers.

Good Heart Farmstead - view of farm
Good Heart Farmstead, a recipient of a Vermont Farm Fund loan

The Vermont Farm Fund (VFF) is a program of the Center for an Agricultural Economy in partnership with Pete's Greens. The VFF provides no-hassle, friendly-term loans to Vermont farmers and food producers.

The result is a growing community of farmers lending money to farmers when it is most needed, in a timely manner, and without a lot of red tape.

The VFF offers two types of lending programs:

Business Builder Loans

  • Support VT farms and food producers who want to invest and innovate for growth
  • Range from $5,000 to $30,000
  • Available at 3% amortized interest, to be repaid over a period of 24 to 48 months depending on loan size
  • Qualifications: two years of operating history and a minimum of $20,000/year in revenues for smaller loans. Larger loans reserved for well-established businesses with a successful track record and strong credit history.

Emergency Loans

  • Provide financing to begin the recovery process following a natural disaster 
  • Maximum loan amount is $10,000.
  • 0% interest, payable over 24 months with flexible payment schedule 
  • Qualifications: VT farmers who have suffered a devastating loss due to an unexpected natural disaster that puts their farm or farming career in danger. Applications are reviewed within 10 business days and most loan funds are granted within 14 business days.

Apply Now

We accept applications on a rolling basis. To apply, download an application here. For additional information about the Vermont Farm Fund program please visit www.VermontFarmFund.org, or contact the VFF Program Manager, Kate Stephenson, at Kate@vermontfarmfund.org.