Personal financing in Chittenden County.
County-by-county financing guides. No paperwork. No social. No ID.
No institution is headquartered inside the Chittenden County line, but 1 keep an office open here. They are below, by name and by town.
Not this lane? Business FinancingHome Financing
The doors in Chittenden 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.
Based elsewhere, with a member-facing office inside the Chittenden County line. You can walk in.
- Sea Comm Credit UnionPersonal · Home · Business capital
- Vermont Community Loan Fund, Inc.SBA microlenderCommunity lending · Business capital
- Brattleboro Development Credit CorpBusiness capital
- Community Capital of Vermont, Inc. (CCVT)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 - Grameen AmericaAccepts ITIN
Microloans for women entrepreneurs. Requires photo ID and proof of address — no SSN requirement. Branches in major metro areas.
Business capital
1 of the 6 are CDFI-certified.
The U.S. Treasury certifies them to lend to the people banks pass over. It is a loan, not a favour.
2 of these doors accept an ITIN.
They will open an application with an ITIN instead of a social security number. They are marked ACCEPTS ITIN below.
This guide helps solo contractors, self-employed workers, and small real-estate investors in Chittenden County, Vermont understand their personal financing options. It focuses on the local lenders, credit unions, CDFIs, and community programs that actually serve Burlington and the surrounding towns — not just big national banks. Whether you have a traditional credit history or not, there are real, trustworthy pathways to borrowing money here. Take your time, compare your options, and never feel pressured to sign anything before you're ready.
Same county, another question.
Business FinancingLoans, lines of credit, and capital for small businesses and contractorsSEE IT IN CHITTENDEN COUNTY →
Home FinancingPurchase, renovation, HELOC, and bridge loans for homeowners and investorsSEE IT IN CHITTENDEN COUNTY →3VT COUNTIES WITH DOORSThe whole stateEvery county in Vermont, in this same lane.3 institutions fund personal financing inside Vermont county lines.OPEN THE STATE →
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