The Vermont Community Loan Fund is a business loan from Vermont Community Loan Fund. The ongoing APR is 6.75% annual interest, and 4.75% for permanently affordable housing projects. Typical credit limit: The current maximum loan amount is $2 million.. Loan terms: Terms range from a few months up to 5 years, with extensions generally permitted for another 3 to 5 years. Amortization may be scheduled for up to 40 years..