Vermont: business records and regulators
Where to look a business up in Vermont, where to search the UCC filings against it, and the offices that regulate banks, lenders and securities there.
Each link opens the state's own site in a new tab, so what you type there goes to that site, not to us. Some state searches charge a fee or ask you to make an account. Privacy
Vermont records and regulators
Business search
Look a business up in the state's register of businesses.
UCC search
Find the UCC filings against a business: the financing statements lenders file to record a lien on its assets, such as a blanket lien.
Banking and lending regulator
Oversees the banks the state charters. Check its site for the lender and broker licenses the state requires.
Securities regulator
The state office for securities offerings, brokers and investment advisers.
Find a lender in Vermont
Official lists of the lenders that work in Vermont. Each opens on its own site, filtered to Vermont where the list allows it.
SBA 504 lenders (Certified Development Companies) (opens in a new tab)
The nonprofit lenders that make SBA 504 loans for property and big equipment, from the SBA's own list, filtered to the state.
SBA microloan lenders (opens in a new tab)
Nonprofit lenders that make SBA microloans of up to $50,000, from the SBA's own list, filtered to the state.
SBA Lender Match (opens in a new tab)
The SBA's own matching tool: you answer a few questions about your business on its site, and two business days later it gives you a list of the lenders interested; some may contact you. It is not a loan application. What you type goes to the SBA and those lenders, not to us.
Certified CDFIs (community lenders) (opens in a new tab)
The CDFI Fund's list of every certified community development financial institution (CDFI): loan funds, banks and credit unions. Download the list and sort it by the State column.
The FDIC's BankFind: search for the banks with offices in the state.
Credit unions (opens in a new tab)
The NCUA's credit union locator. Credit unions lend to their members, so check who can join.
Before you sign with any lender, check it is licensed: see the banking and lending regulator above, and Check a lender or platform. A few national lenders and platforms are named, with how they were chosen, in the provider directory.
State rules for Vermont on our route pages
- Business line of credit: Vermont has no cap on the interest a business can agree to: its usual limits do not cover a corporation's debts, or credit for a business that earns income, unless the loan pays for a home of four units or fewer that the borrower lives in. A lender that is not a bank or other financial institution needs a lender license from the Department of Financial Regulation, and anyone paid to arrange or find a loan, or to pass on leads, needs a loan solicitation license. There are a few exceptions, such as a seller financing what it sells, and neither license is needed for a commercial loan of $1 million or more. (Vermont Statutes 9 V.S.A. 46: exceptions to the legal rates (obligations of corporations and of income-producing businesses); Vermont Statutes 9 V.S.A. 41a: legal rates; Vermont Statutes 8 V.S.A. 2201: licenses required (subsection (h): not commercial loans of $1,000,000 or more); Vermont Statutes 8 V.S.A. 2200: definitions (loan solicitation and lead generation); Vermont Statutes 8 V.S.A. 11101: definitions (the Commissioner of Financial Regulation))
- Equipment loans and finance agreements: Vermont has no cap on the interest a business can agree to: its usual limits do not cover a corporation's debts, or credit for a business that earns income, unless the loan pays for a home of four units or fewer that the borrower lives in. A lender that is not a bank or other financial institution needs a lender license from the Department of Financial Regulation, and anyone paid to arrange or find a loan, or to pass on leads, needs a loan solicitation license. There are a few exceptions, such as a seller financing what it sells, and neither license is needed for a commercial loan of $1 million or more. (Vermont Statutes 9 V.S.A. 46: exceptions to the legal rates (obligations of corporations and of income-producing businesses); Vermont Statutes 9 V.S.A. 41a: legal rates; Vermont Statutes 8 V.S.A. 2201: licenses required (subsection (h): not commercial loans of $1,000,000 or more); Vermont Statutes 8 V.S.A. 2200: definitions (loan solicitation and lead generation); Vermont Statutes 8 V.S.A. 11101: definitions (the Commissioner of Financial Regulation))
- Online business loans: Vermont has no cap on the interest a business can agree to: its usual limits do not cover a corporation's debts, or credit for a business that earns income, unless the loan pays for a home of four units or fewer that the borrower lives in. A lender that is not a bank or other financial institution needs a lender license from the Department of Financial Regulation, and anyone paid to arrange or find a loan, or to pass on leads, needs a loan solicitation license. There are a few exceptions, such as a seller financing what it sells, and neither license is needed for a commercial loan of $1 million or more. (Vermont Statutes 9 V.S.A. 46: exceptions to the legal rates (obligations of corporations and of income-producing businesses); Vermont Statutes 9 V.S.A. 41a: legal rates; Vermont Statutes 8 V.S.A. 2201: licenses required (subsection (h): not commercial loans of $1,000,000 or more); Vermont Statutes 8 V.S.A. 2200: definitions (loan solicitation and lead generation); Vermont Statutes 8 V.S.A. 11101: definitions (the Commissioner of Financial Regulation))
Sources
- Vermont Secretary of State: Business Services (search Businesses) · checked October 20, 2026
- Vermont Secretary of State: UCC Liens (the office manages the statewide registry for UCC filings; UCC Lien Search) · checked October 20, 2026
- Vermont Department of Financial Regulation: home page (banking, captive insurance, insurance, securities) · checked October 20, 2026