Sarah of Bailey Road in Montpelier holds the sign to her new store out on the sidewalk amid snowbanks

Information and Help for Existing Borrowers

Partnering with Borrowers for the Most Effective Business Loans

A non-profit organization that supports small businesses and their entrepreneurs, Community Capital takes the time and attention to continue its relationship with our borrowers long before, and after, the first loan payment. Support both before and after you receive your loan, the flexibility to change terms or payments, backing needs for continued capital investment or cash flow, and advice in the ultimate sale of a successful business: we support our borrowers for maximum success throughout the life of our loans.

An icon of an electrified light bulb symbolizing an idea

Pre- and Post-loan Support

Using your loan funds effectively is key to long-term business success. Community Capital Business Advisory Services offers optional, free pre- and post-loan support to help you navigate the business landscape.

An icon of a bullhorn symbolizing communication

Changes in Loan Terms or Payments

Community Capital is able to offer borrowers facing an unexpected business challenge the flexibility to adjust loan terms, make seasonal payments, or interest-only “balloon” loans where the entire loan principal is due at the close of the loan period.

An icon of a paper airplane taking off, to symbolize mail

Business Transfer and Succession

You’ve built a successful business and feel that the time is right to sell or pass it to the next generation. Community Capital can help you transfer the ownership of your business loan.

An icon that shows the profile of a hand recieving a clock with a money symbol in the center

Additional Funding

If you have the need for additional equipment, inventory, or a line of credit, Community Capital can help bridge the gap between opportunity and anticipated revenue.

Business challenges are inevitable. If you are faced with difficulty, please contact our Loan Administrator. Of our borrowers who face financial difficulty, the ones who reach out to us proactively are the most successful at overcoming issues in the repayment of their loans.

A Success Story: Rayon Watson, New England Christmas Tree Services, North Springfield

Rayon Watson’s business began with a fundamental observation: farmers are busy, tending to the work that never ends. Recognizing that he could help increase farmers’ capacity by lending a hand with routine maintenance and management, Rayon Watson launched New England Christmas Tree Services from his home in North Springfield. Two years after startup, Rayon received a loan to hire employees so that he could expand his business. Now in its fourth year, Rayon’s company assists commercial Christmas tree growers in Vermont, Massachusetts, and New Hampshire with the planting, pruning, mowing, shearing, harvesting, cutting, and tidying of fields and land. He describes his work as “easing the workload for the farmers. Most of the tree farmers have been doing this for 30 or 40 years. It’s hard to find help for farming; I built a team to aid tree farmers with a wide variety of farm and field work.” A graduate of Vermont Technical College, Rayon says he has found the “perfect situation.” “Dealing with these trees is like art for me. Working outdoors is something I enjoy doing.” In 2021, Rayon and his team completed work on 13 farms in the region, tending up to 4,500 trees in one location. In the years to come, Rayon looks forward to strengthening existing relationships, building new connections, and continuing to grow with the help of Community Capital. “This loan is very important because I couldn’t expand on my own. I wasn’t sure if I would qualify for any funding because the business was brand new. Community Capital gave me the support and confidence I needed to hire employees. Thank you, Community Capital, for allowing me to get a loan.”

Investing in Entrepreneurs Statewide

Community Capital borrowers reflect the fabric of Vermont: authentic, innovative, service-oriented and invested in community.