The Vermont Community Loan Fund is a business loan from Vermont Community Loan Fund. The ongoing APR is Current rates vary between 6.0 - 7.0%, according to project focus & duration, potential for social impact and strength of your proposal.. 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..