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.
risk management
Last verified Aug 18, 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.