Loan
Vermont Farm Fund Emergency Loan
Vermont Farm Fund / Center for an Agricultural Economy
What you can get
Up to $15,000, 0% interest • Zero-interest revolving loan repayable over 36-48 months with a flexible payment schedule and an option to defer payments up to 12 months. Cap was raised from $10,000 to $15,000 after the 2023 floods. Cash shortfalls from equipment failure, business miscalculation, or unrelated cash-flow problems are not eligible. The Fund also runs Business Builder Loans and New Producer Loans for non-disaster needs.
- Readiness
- Prep docs first
- Who can apply
- producer, Vermont farmers and food producers who have suffered a devastating loss from an unexpected natural disaster (fire, flood, wind, drought, hail) damaging buildings, animals, equipment, greenhouses, or hay fields, and whose business is otherwise in good financial health.
- Coverage
- VT
- Deadline & timing
- Open on a rolling basis as of August 2026 - 'applications are reviewed and responded to on a rolling basis,' no set deadline. Application requires an online form, credit report for each signer, two years of financial statements, a current debt schedule, and the prior year's tax return.
Optional expert service · $249
Turn program research into an application package.
An eligibility screen for one farm, a shortlist of up to three relevant programs, and draft practice justifications and a document checklist for one selected application. Delivered within 7 business days after intake.
Last verified Sep 14, 2026. Always confirm current terms and deadlines on the official site before applying.
Plan your next step
Run a quick soil assessment or ask an agronomist how this program fits your fields.