The Community Capital of Vermont is a business loan from Community Capital of Vermont. The ongoing APR is Our current rates are 8% -10.5% for up to 5 years. Our rates are subject to change.. Approval typically requires a credit score of Loans of $50,000 or less, have no minimum credit score requirement. Loans over $50,000 require a minimum credit score of 625 or higher. Typical credit limit: Loans are available from $1,000 to $100,000.. Loan terms: Our loan terms are always shorter than seven years..