The Vermont Community Loan Fund is a business loan from Vermont Community Loan Fund. The ongoing APR is Loans up to $650,000 at 0% interest for a term of up to seven years. Typical credit limit: The current maximum loan amount is $650,000.. Loan terms: Loans up to $650,000 at 0% interest for a term of up to seven years; no loan payments for the duration of the project; repaid in full (lump sum) at project completion or loan maturity, whichever is sooner.