How many small businesses are in Vermont?

Vermont has approximately 75,000 small businesses, representing 99.3 percent of all businesses in the state. They employ 153,000 workers — 52.3 percent of Vermont's private workforce. Source: SBA Office of Advocacy, 2024 Small Business Profile.

How active is SBA 7(a) lending in Vermont?

Vermont received 187 SBA 7(a) loan approvals in FY2024, totaling $69 million. The average loan size was approximately $371,000. Source: SBA FOIA loan dataset, FY2024 aggregate.

Does Vermont have a commercial financing disclosure law?

No. Vermont has not enacted a statewide commercial financing disclosure law as of 2026.

What financing products work best for Vermont small businesses?

Ski and tourism businesses use revenue-based financing for seasonal cash flow. Agricultural and food businesses use equipment financing and SBA 7(a). Healthcare practices access SBA 7(a). The right product depends on your industry and revenue.

Is ClearValue Lending available in Vermont?

Yes. ClearValue Lending routes Vermont SMB applicants to lender partners operating across Burlington, Montpelier, Rutland, Stowe, and statewide. We are a funding platform, not a lender or broker.

What are typical eligibility minimums for Vermont SMB financing?

SBA 7(a) typically requires 2+ years in business, 650+ FICO, and $150,000+ annual revenue. Revenue-based financing may be available with 500+ FICO, 6+ months in business, and $10,000+ monthly revenue. All financing is subject to lender underwriting.

Small Business Loans in Vermont

Vermont has 75,000 small businesses employing 153,000 workers — 52.3 percent of the state's private workforce — one of the highest small business employment shares in New England. In FY2024, Vermont small businesses received 187 SBA 7(a) loans totaling $69 million, with an average loan size of approximately $371,000. Vermont's SMB economy is built on outdoor recreation and tourism (ski resorts, fall foliage, hiking), specialty agriculture (maple syrup — Vermont produces more than any other state — dairy, artisan food production), and a growing remote-work professional services sector.