2026-04-14T20:35:01-04:00 2025-12-31 030302296 KITTELL BRANAGAN & SARGENT 154 N MAIN ST ST ALBANS VT 05478 990 2025-01-01 222864900 VERMONT COMMUNITY LOAN FUND VERM 8022231448 PO BOX 827 MONTPELIER VT 05601 WILLIAM BELONGIA EXECUTIVE DIRECTOR 8022231448 2026-02-28 true ANDREW BACHAND CPA P01281230 8025249531 2026-02-28 2025 2025-03-06 01:10:19Z WILLIAM BELONGIA 1851 SHAW MANSION ROAD WATERBURY CENTER VT 05677 3810297 false X WWW.VCLF.ORG X 1987 INVESTING IN PEOPLE AND COMMUNITIES TO CREATE A JUST AND THRIVING VERMONT 10 10 21 0 1022337 844035 1925925 2263947 780746 607677 480 94638 3729488 3810297 0 0 1869415 1899215 0 121719 1317163 1705174 3186578 3604389 542910 205908 54034638 60301600 35873807 41934861 18160831 18366739 INVESTING IN PEOPLE AND COMMUNITIES TO CREATE A JUST AND THRIVING VERMONT false false 2941560 2263947 THE ORGANIZATION IS A MISSION-DRIVEN, COMMUNITY-FOCUSED ALTERNATIVE LENDER. WE MAKE LOANS TO LOCAL BUSINESSES, COMMUNITY ORGANIZATIONS & NONPROFITS, CHILD CARE PROVIDERS AND DEVELOPERS OF AFFORDABLE HOUSING WHO DON'T QUALIFY FOR A LOAN FROM A TRADITIONAL LENDER. WE COMBINE OUR LOANS WITH FINANCIAL CONSULTING AND BUSINESS DEVELOPMENT SERVICES TO MAKE SURE OUR BORROWERS HAVE ACCESS TO ALL THE TOOLS THEY NEED TO SUCCEED. 2941560 true true false true false false false false false false true false false false true false true false false false false false false false false false false false false true false false false false false false false false false false false false false false false false false true 571 0 true 21 true false false false false false false false false false false false false X 10 10 false false false false false false false true true false false true true true true true true true false false VT X X KATHERINE NELSON 8022231448 PO BOX 827 MONTPELIER VT 05601 WILLIAM BELONGIA EXECUTIVE DI 40.00 X 234863 0 13243 KATHERINE NELSON EMPLOYEE 40.00 X 139676 0 8484 JAKE IDE EMPLOYEE 40.00 X 139301 0 8465 DANIEL WINSLOW EMPLOYEE 40.00 X 109769 0 6988 SARAH PHILLIPS EMPLOYEE 40.00 X 109677 0 6984 DR ASMA ALI ABUNAIB MEMBER 1.00 X 0 0 0 ARNE HAMMARLUND TREASURER 1.00 X X 0 0 0 GWEN POKALO HART PRESIDENT 1.00 X X 0 0 0 KIM KEISER MEMBER 1.00 X 0 0 0 CHLOE LEAREY MEMBER 1.00 X 0 0 0 MATTHEW PLASSE MEMBER 1.00 X 0 0 0 LORENA NEIRONI ROSSI MEMBER X 0 0 0 JANET SPITLER MEMBER 1.00 X 0 0 0 STEPHANIE WERNHOFF VICE PRESIDE 1.00 X X 0 0 0 MICHAEL THOMPSON SECRETARY 1.00 X 0 0 0 733286 44164 5 false true false 163111 680924 844035 LOAN INTEREST 522291 2049907 2049907 FINANCING CHARGES 522291 165584 165584 ADMIN FEE INCOME 48456 48456 2263947 607677 607677 BAD DEBT RECOVERY 525990 94638 94638 94638 3810297 2358585 607677 248107 248107 1359450 1191694 97485 70271 44870 35803 5269 3798 134611 107408 15808 11395 112177 89507 13174 9496 2707 677 2030 53671 53671 58760 52884 5876 7905 5929 1581 395 104522 78392 20904 5226 11165 8374 2233 558 680760 680760 45554 34165 9111 2278 24478 18358 4896 1224 LOAN LOSS PROVISION 371546 371546 CONSULTANTS 132123 92486 39637 OUTREACH 48662 43796 4866 COMPUTER SUPPLIES 22322 16742 4464 1116 140999 113039 22740 5220 3604389 2941560 541110 121719 299927 319658 15186374 15598414 31298254 37192769 50239 79848 424131 301845 153026 122286 6066555 5727901 125000 189919 192638 402377 246117 304969 416508 363459 54034638 60301600 411177 445780 1618303 3946655 5716840 5737727 27634588 31393188 492899 411511 35873807 41934861 X 14114741 14312959 4046090 4053780 18160831 18366739 54034638 60301600 205908 X false true X true true true X 4364906 1276536 813902 1022337 844035 8321716 4364906 1276536 813902 1022337 844035 8321716 8321716 56574 152980 681347 780746 607677 2279324 62762 24515 111199 68942 143094 410512 11011552 9533236 0.75570 0.81350 X PART II, LINE 10 RECOVERY OF BAD DEBT AND OTHER INC. 410,512 RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED 12605 12605 12605 2521 630 10084 false 1472 1997 2421 2521 8411 12617 7362 9986 12105 12605 42058 368 499 605 630 2102 3153 120643 56813 63830 303488 245032 58456 122286 LEASE LIABILITY 376911 BORROWER DEPOSITS 34600 411511 3810297 3810297 3810297 3604389 3604389 3604389 X false false false false false false false false false WILLIAM BELONGIA EXECUTIVE DIRECTOR 214863 20000 13243 248106 FORM 990, PAGE 6, PART VI, LINE 11B THE FINANCE COMMITTEE OF THE BOARD OF DIRECTORS REVIEWS AND APPROVES THE FORM 990 PRIOR TO FILING. FORM 990, PAGE 6, PART VI, LINE 12C VCLF MONITORS AND ENFORCES THEIR CONFLICT OF INTEREST POLICY BY HAVING BOARD MEMBERS SIGN THE CONFLICT OF INTEREST POLICY ANNUALLY ATTESTING TO KNOWLEDGE OF THE POLICY AND COMPLIANCE WITH DISCLOSURE. FORM 990, PAGE 6, PART VI, LINE 15A THE EXECTIVE DIRECTOR'S SALARY IS DETERMINED BY THE EXECUTIVE COMMITTEE OF THE BOARD OF DIRECTORS WITH INPUT FROM RECENT SALARY SURVEYS OF SIMILAR ORGANIZATIONS. FORM 990, PAGE 6, PART VI, LINE 19 THE FINANCIAL STATEMENT AUDIT REPORTS AND ANNUAL REPORTS ARE AVAILABLE ON THE VERMONT COMMUNITY LOAN FUND WESBSITE AND UPON REQUEST.