Business financing in Washington County.
County-by-county financing guides. No paperwork. No social. No ID.
3 institutions are headquartered inside the Washington County line, Barre included. They are below, by name and by town.
Not this lane? Home FinancingPersonal Financing
The doors in Washington County.
The CDFIs, credit unions, and microlenders that actually say yes — county by county, in two languages. We are not a lender. Nobody paid to be listed. And where a county has no good doors, we say so.
- 3
- DOORS HERE
- 3
- BASED HERE
- 5
- VT COUNTIES WITH DOORS
- Lane
- Business Financing
- People
- 60Kresidents of Washington County
- Covers
- Barre
- Elsewhere in VT
- Windham County →2 doors — the biggest list of any other county in Vermont
- State
- Vermont →5 of 14 counties hold a door in this lane
- Community Capital of Vermont, Inc.Community lending · Business capital
- Community Capital of Vermont, Inc. (CCVT)Business capital
- VSJF Flexible Capital Fund L3CCommunity lending · Business capital
- Grameen AmericaAccepts ITIN
Microloans for women entrepreneurs. Requires photo ID and proof of address — no SSN requirement. Branches in major metro areas.
Business capital - Mission Asset FundAccepts ITIN
Zero-interest lending circles and credit building. SSN or ITIN accepted. Works through nonprofit partners across the country.
Personal
2 of the 3 doors inside the county line are CDFI-certified.
The U.S. Treasury certifies them to lend to the people banks pass over. It is a loan, not a favour.
How to read this list.
We do not ask for your name, your email, or your number. Nothing on this page changes based on who you are.
A door is headquartered here when its head office sits inside the county line. The rest are based elsewhere and keep a branch you can walk into. We list both, and we label which is which.
Every institution on this page comes from public federal data — the CDFI Fund certified list (Aug 2026), NCUA credit union data (Jun 2026), and the SBA microloan intermediary list (Sep 2026) — plus a short national tier we verified by hand. We refresh each list as its agency publishes. No listing is paid.
Washington County, Vermont has a strong local lending ecosystem built around community development financial institutions (CDFIs), credit unions, and state-backed programs that go well beyond what federal programs alone can offer. Whether you are a solo contractor, a small landlord, or a first-time business owner — including those who use an ITIN instead of a Social Security Number — there are real, accessible options here. This guide names the local organizations that actually serve Washington County, explains what you will need to apply, and helps you steer clear of costly traps. Origen Capital is a directory, not a lender; we connect you to information, never collect your data.
- 3
- DOORS HERE
- 7
- ACROSS VT
Based in Barre, Vermont. A community development financial institution, certified by the U.S. Treasury to lend where a bank will not, and used to a file that is not clean.
BEST FORCommunity lending where a bank has already said no, and working capital, equipment and payroll for a small business.Based in Montpelier, Vermont. Treasury-certified as a CDFI, which is a mandate rather than a courtesy: reaching borrowers the mainstream market passes over is the job.
BEST FORWorking capital, equipment and payroll for a small business, and community lending where a bank has already said no.Based in Barre, Vermont. Approved by the SBA to place microloans, which are deliberately small — the size a real first job or a first truck actually costs.
BEST FORWorking capital, equipment and payroll for a small business.Everything below is set by Vermont, and it reads the same in every county in it. The 3 marks above are this county's own doors — who opens one is decided by them, not by the state.
The rules where you are.
None of this is set by a lender. Vermont sets it, and it applies the same in every county in the state — which is why it is worth knowing before you knock on any of the doors above.
- BUSINESS TAX8.5%
What Vermont charges on top of federal. It is the first thing a lender reconciles when your numbers do not match your tax return.
- CORPORATE INCOME TAX6.0% – 8.5%
It depends on how the business is registered. A sole proprietor almost never pays it — worth knowing which side of that line you are on before you apply.
- SALES TAX6.0% state · 0.37% avg local
What you collect on a job, and what your materials cost. It is the gap between a bid that holds and one that does not.
- WHERE THE MONEY IS HEREDairy & Agriculture · Tourism & Skiing · Craft Beverages & Food
Vermont's three biggest sectors. A local lender reads your file against them — a trade that serves these is a trade they already understand.
Sources: Tax Foundation 2025 · Census ACS 5-year 2023 · BEA/MERIC COLI 2024 · Zillow 2026-Q1. As of 2026-04.
The short version.
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3 doors sit inside the Washington County line. They are up the page, by name and by town — and none of them paid to be there.
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2 of them are certified by the U.S. Treasury as CDFIs. Lending where a bank will not is their mandate, not a favour.
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This page did not ask you for a name, an email, or a number, and nothing on it changes based on who you are.
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5 of Vermont's 14 counties hold a door in this lane. If Washington County does not have the one you need, the whole state is one click away.
Same county, another question.
Home FinancingPurchase, renovation, HELOC, and bridge loans for homeowners and investorsSEE IT IN WASHINGTON COUNTY →
Personal FinancingPersonal loans, credit building, and ITIN-friendly financing optionsSEE IT IN WASHINGTON COUNTY →5VT COUNTIES WITH DOORSThe whole stateEvery county in Vermont, in this same lane.7 institutions fund small businesses inside Vermont county lines.OPEN THE STATE →Still don't see your situation?
Ask Iris. She'll explain it the way it should have been explained the first time.