Vermont Business Loans
Vermont Business Loans, $10K to $100M
You found the deal. Now you need the money… fast. I am Kevin Kermeen, and I arrange Vermont business loans for owners across the Green Mountain State, from fast Vermont small business loans to multi-million dollar commercial deals… a single grooming machine at a Stowe ski resort or a production line outside Burlington. I am a real business owner, not an ex-banker reading a script, and I move at the speed your deal actually needs.
Banks hand out umbrellas when the sun is shining, not when you are weathering the storm.
That is not a clever line, it is how banks actually behave. Vermont has a steady, hardworking economy that reached about $46.3 billion in 2024, yet profitable Vermont companies still get told to wait 60 to 90 days for a maybe. By then the equipment is sold, the building is gone, or the busy season has come and gone. In a small state where everyone knows everyone, the owner who can move on capital first is usually the one who wins.
That is why I exist. I arrange Vermont business loans funded with other people’s money, so your own capital stays free to grow. Whatever you are doing in this state… upgrading rooms before ski season in Stowe, financing a tanker for a dairy farm, adding a bottling line at a brewery, or buying a building in Burlington… there is a program built for it, and I move at the speed your deal needs.
Tourism alone is a $4.2 billion engine here, drawing 16 million visitors in 2024 and supporting roughly 10 percent of the workforce, and small businesses make up the overwhelming majority of employers in Vermont. Most of what I write is Vermont small business loans for those owners, scaling up to Vermont SBA loans when the move is bigger, like buying a property or an existing company. The owners who win are usually the ones who can move on capital first. Vermont business loans through me exist to make sure that owner is you, not the competitor down the road who happened to have cash on hand.
Vermont Business Loans for the Industries That Run This State
Vermont’s economy is built on what gets made, grown, brewed and visited, and all of it runs on capital. From the ski slopes to the sugarbush to the semiconductor fab outside Burlington, here are the industries I write the most Vermont business loans for, with financing matched to how each one actually makes money.
Tourism is a $4.2 billion engine in Vermont, drawing 16 million visitors in 2024 and supporting about 31,780 jobs. Ski resorts like Stowe, Killington, Sugarbush and Jay Peak anchor the winter economy, while inns, lodges and short-term rentals run year-round. Vermont business loans finance the room renovations, equipment, vehicles and working capital these operators need before the season hits.
Hotel and hospitality financing →Milk is Vermont’s number one agricultural commodity, and Vermont leads the entire nation in maple syrup, producing 3.06 million gallons in 2025 and topping every other state every year since 1916. I fund the tractors, tanks, tubing, trucks and working capital that dairy farms, sugarmakers and food producers need to bridge the long gap between expense and revenue. Vermont business loans match that timing.
Equipment financing →Manufacturing is the backbone of Vermont’s export economy. GlobalFoundries in Essex Junction, just outside Burlington, is the state’s largest private employer and produces roughly 43 percent of all Vermont exports in semiconductor chips. From the machine shops and suppliers feeding that ecosystem to precision manufacturers statewide, my Vermont business loans finance CNC equipment, automation and facility expansion.
Manufacturing financing →Vermont has one of the highest concentrations of craft breweries per capita in the country, alongside the cideries, distilleries, cheesemakers and specialty food producers that carry the Vermont brand worldwide. I arrange Vermont business loans for the tanks, kitchens, bottling lines and working capital these makers run on.
Food and beverage financing →Education and health services is one of the largest employment sectors in Vermont, anchored by the University of Vermont Medical Center in Burlington and a network of independent practices statewide. I finance imaging equipment, build-outs, acquisitions and the working capital clinics in Montpelier, Rutland and beyond need to grow. Vermont business loans help these practices invest without draining reserves.
Healthcare financing →Vermont’s contractors spend on labor, materials and fuel long before a draw or a customer payment lands. From Burlington to Brattleboro, I fund the trucks, loaders, lifts and jobsite equipment trades need, plus the business line of credit and invoice factoring that close the gap between work done and money in. Vermont business loans keep these crews moving.
Construction financing →Tell me what you are trying to do in Vermont.
One conversation and I will tell you the fastest path to funding, straight. Vermont business loans with no upfront fees.*
Every Program Behind My Vermont Business Loans
My Vermont business loans run on eight core programs, one direct line to me. From fast Vermont small business loans like equipment and working capital, to Vermont commercial loans for property, to Vermont SBA loans for acquisitions, tap any program for full details, ranges and timelines.
Regulatory and Industry Framework
Good decisions start with real sources. Before you sign anything, these are the authorities worth reading on Vermont business loans, SBA programs and the state economy behind them.
Federal Loan Programs
The U.S. Small Business Administration sets the rules, rates and guarantees behind SBA financing. Many Vermont business loans I arrange use SBA 7(a) or 504 structures, and the SBA Vermont District Office in Williston serves all 14 counties.
State Economic Development
The Vermont Agency of Commerce and Community Development tracks the incentives, expansions and target sectors driving the state. It is the clearest picture of where Vermont business loans are funding real growth.
Agriculture and Food
The Vermont Agency of Agriculture, Food and Markets reports the dairy, maple and food numbers that anchor the rural economy and the equipment financing behind it.
Vermont Business Loans, Statewide
I arrange Vermont business loans in every corner of the state, not just Chittenden County. Burlington business loans make up my heaviest volume, but distance is never the problem, because every file runs through me by phone.
Most of my Vermont volume runs through Burlington and South Burlington, the economic center of the state and home to the University of Vermont Medical Center and the GlobalFoundries semiconductor fab in neighboring Essex Junction, so Burlington business loans are my single biggest metro lane. Montpelier, the capital, drives state government, insurance and professional services. Rutland anchors manufacturing and serves as the gateway to Killington, while Stowe powers the ski and resort economy in the north. I also actively fund owners in Barre, St. Albans, Bennington, Brattleboro and Williston. Wherever you are in Vermont, the program and the speed are the same.
How Vermont Owners Put Their Business Loans to Work
Vermont business loans are not one product, they are a toolbox. The right tool depends on what you are trying to do this season.
Vermont Small Business Loans for Everyday Growth
The most common reason owners call me is speed on equipment. A craft brewery near Burlington landing new shelf space cannot wait three months for a bank to bless a fermentation tank or a canning line, so I arrange equipment financing that funds in 24 to 72 hours and lets the machine start paying for itself immediately. Dairy, food production and construction owners use the same path for tractors, tankers, loaders and processing equipment, often pairing it with a working capital line to cover crews and inputs before the milk check or the invoice clears. These everyday Vermont small business loans are about momentum, keeping a profitable company moving while the opportunity is still on the table. For a seasonal tourism operator in Stowe, these are the difference between being ready for the rush and scrambling through it.
Vermont SBA Loans for Property and Acquisitions
When the goal is bigger and longer term, Vermont SBA loans usually fit best. SBA 7(a) and 504 structures carry long terms and competitive rates, which makes them the smartest path for buying a building, acquiring an existing Vermont business, or refinancing expensive short-term debt into something stable. A Montpelier insurance agency that wants to own its office instead of renting, or an inn owner in Stowe buying the property next door, is exactly the kind of deal I take through the SBA silo. The SBA Vermont District Office serves all 14 counties, and Vermont SBA loans are a core part of what I arrange every week.
Vermont Commercial Loans and Burlington Business Loans
Real estate is the other half of my Vermont business loans volume. Vermont commercial loans cover office, retail, warehouse, industrial, multi-family and ground-up construction from $150K to $100M, with a term sheet usually in 3 to 5 days. Burlington business loans run heavy here, since Chittenden County carries roughly a quarter of the state’s visitor spending plus the healthcare and semiconductor growth, but I write the same Vermont commercial loans in Rutland, Montpelier, Brattleboro and statewide. Owners who need to move before permanent financing is ready use a bridge loan to lock the property, then refinance once the deal is stabilized. And when cash is tied up in slow-paying receivables, which is common for the trades and freight firms feeding Vermont’s plants and resorts, invoice factoring turns those unpaid invoices into same-week cash. Burlington business loans are my biggest lane, but the speed is identical in the smallest town.
The mistake I see most often is owners assuming a bank turndown means the deal is dead. It rarely does. A bank says no because the deal does not fit its one box, not because the business is bad. My job is to match that same deal to the one lender, out of more than 75, whose box it does fit. That is the entire difference between bank financing and Vermont business loans arranged through an independent advisor, and it is usually the difference between closing and watching the opportunity walk. Don’t Beg the Bank!
Why Borrow Through Me Instead of a Vermont Bank
Vermont business loans from a real owner, not a call center.
I am not an ex-banker. I have owned the businesses and the real estate brokerages, so I read your deal from your side of the table. When you call about Vermont business loans, you get me… one person who answers the phone, knows your file, and has a lender network deep enough to fund $10K to $100M across all 50 states.
Banks make you fit their box. I find the program and the lender that fit you. I just signed a capital partner that takes my ceiling to $100M, so the size of the deal is rarely the problem. The speed is the difference, and it is why the right Vermont business loans close in days with me instead of months. And I never text you, I call you, 7 days a week on Arizona Time.
If a bank has you waiting, stop waiting. Don’t Beg the Bank! Call me and I will tell you straight whether I can fund your deal and how fast.
When the Bank Walked, I Closed
These were not Vermont deals, but multi-family commercial real estate funds the same in Burlington as it does in Dallas, and so do my Vermont business loans. This is how I work when the clock is running, and it is exactly how I approach Vermont business loans of every size.
$43M apartment complex, closed in 19 days
A $43 million multi-family acquisition in Dallas had a bank that walked. I brought in an institutional capital partner, restructured the deal and closed it in 19 days. The kind of speed most owners are told is impossible.
$4.2M apartment deal, bank quit 10 days out
A $4.2 million multi-family purchase was 10 days from closing when the borrower’s bank pulled the umbrella. He called me. I funded it in 24 days into a 20-year fixed, and it is now a performing asset in his portfolio.
How Fast Each Vermont Program Funds
Speed is the whole point of using me instead of a bank. Vermont small business loans can fund in 24 to 72 hours, while Vermont commercial loans get a term sheet in 3 to 5 days. Here is what fast Vermont business loans actually look like by program.
| Program | Loan Range | Speed to Funding |
|---|---|---|
| Working Capital and Line of Credit | From $10K | 24 to 72 hours |
| Equipment Financing | From $10K | 24 to 72 hours |
| Invoice Factoring | Receivables-based | Same week |
| Commercial Real Estate | $150K to $100M | Term sheet 3 to 5 days, fund 21 to 30 |
| Investment Property | $150K to $100M | Term sheet 3 to 5 days, fund 21 to 30 |
| SBA Loans | Up to $5.5M | 45 to 60 days |
Same-day approvals are common when the application reaches me before 9am Arizona Time.
Tell Me About Your Vermont Deal
I personally review every application for Vermont business loans and call you back… never a text, never a call center.
… or …
Apply OnlineI never sell your information. There are no application fees and no broker fees out of pocket.* My Vermont business loans carry no upfront cost to you. Same-day approvals are common when the application reaches me before 9am Arizona Time.
Vermont Business Loans, Common Questions
How much can I borrow with Vermont business loans?
From $10,000 for working capital, equipment and lines of credit, up to $100 million for commercial real estate and investment property. Typical small business financing runs $10K to $5M, while SBA programs reach $5.5 million and large commercial real estate or development deals go higher. All 50 states.
How fast can I get funded in Vermont?
As fast as 24 to 72 hours for working capital, equipment and lines of credit. Commercial real estate gets a term sheet in 3 to 5 days and funds in 21 to 30. SBA loans fund in 45 to 60 days. Same-day approvals are common when the application reaches me before 9am Arizona Time.
What does it cost to work with you?
I charge you no fees. I am paid by the lender at closing, so my interest is in getting you funded, not in collecting from you. Some partner lenders may require a commitment fee or deposit when you accept a term sheet. That is the lender’s charge, not mine, and it is always disclosed before you commit.
What industries in Vermont do you fund?
Tourism, ski and hospitality, dairy, maple and agriculture, advanced manufacturing and semiconductors, craft beverage and specialty food, healthcare and professional practices, construction and the trades, retail and Main Street businesses. If your Vermont business generates revenue, there is likely a program for it.
Do you offer Vermont SBA loans?
Yes. Vermont SBA loans are a core part of what I arrange, including the full silo: 7(a), 504, Express, Startup, Microloans, CAPLines, Made in America and Export. SBA financing offers long terms and competitive rates, and it is often the smartest structure for buying property or an existing Vermont business. The SBA Vermont District Office in Williston serves all 14 counties.
Can I qualify with less-than-perfect credit?
Often, yes. I structure deals around the real business, its revenue and its collateral, not just a credit score. Many of my Vermont business loans go to owners a bank turned down. The way to know is one quick conversation.
Which Vermont cities do you serve?
All of them. Burlington business loans and South Burlington make up my heaviest volume, alongside Montpelier, Rutland and Stowe, but I actively fund owners in Barre, St. Albans, Bennington, Brattleboro, Williston, Essex Junction and rural towns statewide. Every file runs through me directly, so location is never an obstacle.
Do you fund commercial real estate in Vermont?
Yes. I finance commercial real estate from $150,000 to $100 million across Vermont, including office, retail, warehouse, industrial, multi-family, lodging and ground-up construction. Term sheets typically come in 3 to 5 days.
What documents do I need to apply?
To start, very little: your name, your phone number, how much you need and what it is for. For most programs I will then ask for a few months of business bank statements and basic business information. I keep the paperwork as light as the deal allows.
Are you a bank?
No. I am an independent nationwide commercial loan advisor with a network of more than 75 lenders. That is the advantage. A bank can only offer you its own product, while I shop your Vermont business loans across many lenders to find the one that actually fits.
What are the most common Vermont small business loans?
The Vermont small business loans owners ask for most are equipment financing, working capital and business lines of credit, usually from $10,000 to $500,000, funded in 24 to 72 hours. They cover machinery, vehicles, inventory, payroll and cash flow gaps without draining reserves. For a ski lodge or a brewery heading into a busy stretch, these are the fastest way to be ready. For bigger moves, owners step up to SBA or commercial real estate financing.
What are Vermont commercial loans used for?
Vermont commercial loans fund property and larger capital needs: buying or refinancing office, retail, warehouse, industrial, lodging and multi-family buildings, ground-up construction, and acquisitions, from $150,000 to $100 million. They are the heavier end of my Vermont business loans, with a term sheet usually in 3 to 5 days, and Vermont commercial loans run heaviest through Burlington and Chittenden County.
Find your program. Don’t Beg the Bank!
I arrange Vermont business loans from $10K to $100M, from Burlington business loans to deals in the smallest mountain towns, with a same-day callback from someone who has owned the businesses himself. Tell me what you are trying to do and I will tell you the fastest way to fund it. Don’t beg a bank that will keep you waiting… call me.
Business Loans by State
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*I charge no fees to the borrower. I am compensated by the lender at closing. Some partner lenders may require a commitment fee or deposit when you accept a term sheet; that charge belongs to the lender, not to me, and is disclosed before you commit. Loan amounts, terms, rates and timelines vary by program, lender, creditworthiness and the property or collateral involved. Large-deal and $100M figures reflect maximum program capacity on qualified transactions and are not guarantees of approval. Funding timelines are typical estimates, not promises. All financing is subject to lender approval and underwriting. 75BizLoans.com arranges commercial financing and does not offer Fannie Mae, Freddie Mac, HUD or FHA products.