Commercial Loan Direct (CLD) provides commercial real estate loans in Vermont. Current commercial loan rates in Vermont range from 4.88% to 12.9% depending on the loan program.
For more in-depth commercial interest rates, please visit our Commercial Loan Rates page. If you are looking to finance or refinance a multifamily property, please visit our Vermont multifamily loans page.
Note: The commercial mortgage rates displayed in this website should be used as a guideline and do not represent a commitment to lend. Commercial Loan Direct and CLD Financial, LLC are not liable for any commercial mortgage interest rate or data entry errors that might affect the displayed commercial loan rates. Commercial loan rates may change at any time and without notice.
Vermont Interest Rates starting at 4.88%. Tell us about your property and financing goals. We will match your request with lending options based on program fit and current market conditions.
The types of mortgages available for these types of properties are Conventional, CMBS / Conduit, Insurance, and Agency (FHA / HUD and USDA) products. Bridge and/or Construction mortgages are also available on a case-by-case basis in order to reposition, stabilize or construct buildings. Commercial real estate investment properties can include office, retail, industrial/warehouse, self-storage, healthcare (medical office, skilled nursing facility, memory care, hospitals), hospitality, (hotel, motel, resort), and mixed use.
Owner-Occupied commercial real estate properties in which the owner occupies at least 50% of the premises and can include office, retail, industrial/warehouse, self-storage, healthcare (medical office, skilled nursing facility, memory care, hospital), hospitality (hotel, motel, resort), mixed use, or any other type of commercial property. The types of mortgages available for owner-occupied buildings include Conventional, Insurance, and Agency programs including FHA / HUD, SBA, and USDA. Construction mortgages are also available on a case-by-case basis in order to develop or reposition a property for the owner's use.
Vermont’s commercial lending market is small, conservative, and relationship-driven. Capital is available primarily through community and regional banks, but underwriting emphasizes cash-flow stability, borrower experience, and local market fundamentals. Lenders favor simple, well-supported deals over aggressive growth or speculative strategies.
Owner-occupied properties are among the most lender-friendly transactions in Vermont, particularly when backed by long-established local businesses with consistent operating history.
Essential-use properties such as medical offices, professional services, community retail, and agricultural-related facilities tend to underwrite well due to steady local demand.
Stabilized multifamily can obtain financing, especially workforce and mid-market housing in population centers.
Light industrial and artisan manufacturing tied to food production, specialty manufacturing, and regional supply chains can finance when tenancy and operations are stable.
Office properties are underwritten cautiously, especially older buildings or assets in smaller towns with limited tenant depth.
Hospitality is financeable but conservative underwriting applies due to seasonality and reliance on tourism.
Value-add and transitional deals face tighter leverage and higher equity requirements, particularly when reliant on aggressive lease-up or rent growth assumptions.
Burlington Metro: The most lender-active market in the state, with better appetite for stabilized multifamily, owner-occupied, and essential-use properties.
Resort and tourism areas: Financing is selective, with lenders closely reviewing seasonality, insurance costs, and operating volatility.
Rural markets: Lending is highly relationship-driven, with conservative leverage and strong guarantor requirements.
Community and regional banks dominate commercial lending. Relationships, deposits, and borrower reputation play a major role in approvals.
Credit unions can be competitive for owner-occupied and smaller-balance loans.
National and institutional lenders participate selectively, typically for larger, stabilized assets in primary markets.
Market size and liquidity are central underwriting considerations.
Regulatory and environmental considerations can affect project feasibility and timelines.
Expense realism, including heating, maintenance, and insurance, is stressed in lender models.
A strong Vermont loan request typically includes conservative leverage, stable historical NOI, experienced sponsorship, and a straightforward business plan.
Deals built on aggressive assumptions or short-term exit strategies tend to struggle.
Vermont is a capital-available but conservative lending market. Owner-occupied, stabilized multifamily, and essential-use properties offer the clearest paths to financing, while office, hospitality, and highly transitional projects face tighter underwriting.
We are proud to be serving the state of Vermont. Here are our commercial loan statistics for this state.
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Commercial loan direct provides services in the following Vermont cities. Please note we may be able to provide services in other cities as well by request. Rates are dependent on the market in your locale.
Get a free commercial loan quote. This process does not affect your credit score.
What Clients Say About Us
Fernando and Leanne are amazing. I had many small businesses that need refinancing over the years. I have met many Brokers and there is always a catch. ALWAYS!… Use them! Once you do you will work with them forever
- Nirav Patel
If you searching for a great experience Commercial Loan Direct is the place. Leanne took care of me and honestly had the greatest experience. She handled all of my needs in a smooth and timely manner listened and addressed any concerns I had about the process and was very patient. I can be quite a handful at times and Leanne was so professional and kind hearted. I'd 100% recommend this company. Thank you again.
- Vincent Arias
We were in unfamiliar territory when it came to refinancing. Commercial Loan Direct streamlined the whole process for us. Leann connected us with lenders that were the right fit for us. The money and time we saved was so worth it. I highly recommend them
- Rita Pisarski
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