Vermont · Nonprofit
COMMUNITY CAPITAL OF VERMONT
COMMUNITY CAPITAL OF VERMONT (Vermont) receives grants from 6 organizations whose IRS filings report $77,027 to it, the largest being THE VERMONT COMMUNITY FOUNDATION ($35,500). 1 of them have funded it in more than one year.
- Revenue FY2025
- $382k
- Funders on record
- 6
- Grants received
- $77k
- Net assets
- $2.4M
What Community Capital of Vermont does
Mission
To help small businesses and lower income entrepreneurs prosper through the provision of flexible business financing.
As stated on its FY2025 Form 990.
Program
Community Capital of Vermont is a statewide small business and microenterprise lender serving low and moderate income entrpreneurs. Our loans range in size from 1,000 to 100,000 and can be used for business start-up or growth and expansion. Ccvt specializes in providing loans to business owners who lack the collateral or credit history to qualify for traditional bank loans.
$215,787 spent$198,648 earned by the program100% of program spending
The program described on its FY2025 Form 990. Program spending in total: $215,787.
The organization over time
Each line starts at 100 in 2017, so what you read is the shape rather than the size: 150 means half as much again as 2017, 50 means half. The number beside each label in the key is where it ended. The shaded band is where the middle 50% of its peers' revenue would sit, given their growth.
Balance sheet
Total assets and total liabilities at each year end, in dollars. The largest one-year move in total assets was 2019 to 2020, from $4.7M to $4.3M (−9%).
How it's funded, over time
Each bar is one year's revenue split into where it came from, and every bar is the same height — these are shares, not amounts, so a year that raised twice as much looks the same size. Hover a bar for the split.
Government-grant reliance: 2017 48% · 2018 44% · 2019 36% · 2020 38% · 2021 25% · 2022 51% · 2023 41% · 2024 45% · 2025 38%. Grants only. Government contracts and fees sit inside program revenue.
46% of COMMUNITY CAPITAL OF VERMONT’s revenue is contributions — about as donation-reliant as the typical peer (62% for the typical peer).
Surplus & reserves
Operating surplus or deficit each year, and months of liquidity in hand. 8 of the last 9 reported years ran a deficit.
reserve
Leadership and staff
The officers, directors, trustees and key employees listed on each return. Joined and no longer listed compare each filing with the year before, matching people by surname and first initial; a year after a gap, or a roster under three people, has no comparison.
Who funds it, year by year
2017 → 2022: the base held at 1 funder, grant income fell $15k → $5.
2 of 6 of your funders are donor-advised or pass-through sponsors (tagged DAF) — 46% of grant dollars received. That money is really individual donors directing a sponsor; the institutions to cultivate are the non-DAF funders.
From the IRS filings of COMMUNITY CAPITAL OF VERMONT’s funders (the co-funder graph). Association, not causation. Trends are read to FY2023, the last fiscal year that has finished arriving. FY2024–FY2026 are still being filed and are shown unshaded; they do not move any figure on this page.
How concentrated its funding is
COMMUNITY CAPITAL OF VERMONT leans on a few funders — its largest provides 46% of grant income and the top three 98%; half comes from just 2 funders.
the vertical line marks half of all grant income — 2 funders to its left
79% of the income these shares are computed over arrives through pass-through sponsors or from payers whose filings do not say what kind of payment it is. Concentration is still measured over all of it, because the money is real; what it does not support is a claim about how many institutions have chosen to fund COMMUNITY CAPITAL OF VERMONT.
Largest funder’s share by year: 2017 100% · 2019 100% · 2020 97% · 2021 100% · 2022 100% — broadly stable.
“Effective funders” = inverse Herfindahl index (1 / Σ shareᵢ²) — the number of equal-sized funders that would give the same concentration. Trends are read to FY2023, the last fiscal year that has finished arriving. FY2024–FY2026 are still being filed and are shown unshaded; they do not move any figure on this page.
Where its funders are
COMMUNITY CAPITAL OF VERMONT draws 63% of its grant income from funders outside Vermont, across 3 states in all.
In-state vs out-of-state, by year
Funder states come from each funder’s own filing. $36k arriving through sponsors registered in 2 states is excluded from the map and the split above: a sponsor holds money on a donor’s behalf, so its registered address would place those dollars somewhere no donor need ever have been. Trends are read to FY2023, the last fiscal year that has finished arriving. FY2024–FY2026 are still being filed and are shown unshaded; they do not move any figure on this page.
Against its field
COMMUNITY CAPITAL OF VERMONT holds deeper cash reserves than three-quarters of the 7,668 community improvement nonprofits its size.
this organization peer median middle 50% of peers· 7,668 community improvement nonprofits $100k–$1M, FY2025
Government funding COMMUNITY CAPITAL OF VERMONT receives
Grants and contracts to this organization from federal (USASpending) and state checkbooks, reconciled to its EIN. $2.5M on record — $1.8M federal, $641k state.
- Small Business Administration$1.4M
- Department of Agriculture$293k
- Department of the Treasury$200k
- Job Start T & TA$361k
- Miscellaneous Grants$225k
- CSBG Discretionary$35k
- Grants$21k
Federal grants vs contracts are distinguished; state line items keep their reported category. Matched by name + geography (the BMF), so coverage is partial and precision-first.
Organizations like COMMUNITY CAPITAL OF VERMONT
Organizations whose mission and program text most resemble this one, by semantic similarity over every organization in the US filings — the closest peers, and often the clearest route to shared or prospective funders.
In Vermont
Nationally
Read directly from this organization’s own Form 990, as neutral context.
Where the money goes
50% of spending goes to programs.
Governance
Public support
92%
Share of support from the public (Schedule A) — the basis for its public-charity status.
Screen this organization
A dated, signed PDF of the compliance screen for COMMUNITY CAPITAL OF VERMONT: IRS status (Business Master File, Publication 78, auto-revocation), the OFAC sanctions lists, the Internal Revenue Bulletin, and California registration, with the Rev. Proc. 2018-32 §8.01 reliance elements stated element by element. Generated from the current files at the moment you download it.
Screens are triage, not determinations; a source that cannot be read reports not screened, never clear. Screen this nonprofit · How the screen works · on the API as GET /api/screening/{ein}?format=pdf
Questions and answers
- Who funds COMMUNITY CAPITAL OF VERMONT?
- COMMUNITY CAPITAL OF VERMONT (Vermont) receives grants from 6 organizations whose IRS filings report $77,027 to it, the largest being THE VERMONT COMMUNITY FOUNDATION ($35,500). 1 of them have funded it in more than one year.
- How many funders does COMMUNITY CAPITAL OF VERMONT have?
- IRS filings report 6 organizations giving $77,027 in grants to COMMUNITY CAPITAL OF VERMONT, 1 of which have funded it in more than one year.
- Who is the largest funder of COMMUNITY CAPITAL OF VERMONT?
- THE VERMONT COMMUNITY FOUNDATION is the largest funder on record, with $35,500 in grants. The full list of funders is on this page.
- How can an organization like COMMUNITY CAPITAL OF VERMONT find more funders?
- Start with the funders already giving here, then look at the foundations that back similar organizations in Vermont. The funding by cause and by state pages list the largest funders for a given area and how to approach them.
Play a game about who funds Community Capital of Vermont →
These figures are read directly from IRS Form 990 / 990-PF e-file XML: this organization’s own return for FY2025 (financials across 2017–2025), and the filings of 6 funders that report grants to it. “On record” means captured in the filings we have parsed — a funder that does not e-file, or whose grant detail is not itemized, will not appear. Filings run roughly 12–24 months behind. Trends on this page end at FY2023, the last fiscal year that has finished arriving; later years are shown and marked, and move no figure. Data on this page was exported October 22, 2026. What this page cannot tell you · view filing