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Accessing Capital

Coolidge Hotel
White River Junction, VT

REGISTRATION DEADLINE: June 10th. To register, visit:

John Hamilton, NH Community Loan Fund & Janice St. Onge, VSJF Flexible Capital Fund, L3C

  • Understand the breadth of capital options in New England.
  • Explain to your clients the different categories of capital/capital continuum, and what different types of capital are good for clients and when.
  • Assist clients in the development of layered financing strategies for growing businesses.

John Hamilton, Vice President of Economic Opportunity leads the New Hampshire Community Loan Fund’s Business Finance program, which connects business owners with the loans, investments, and expertise they need to compete in a changing marketplace. He is also the founder and Managing Director of the Community Loan Fund’s Vested for Growth program, which has placed millions in growth capital.

Vested for Growth uses a variety of deal structures, including debt, royalty financing and equity to enable high-growth businesses to accomplish their acquisition or new-product introduction strategies. John particularly enjoys working with manufacturers, as well as local food producers like farms, distributors and restaurants, that contribute to New Hampshire’s food system.


Janice St. Onge is President of the VSJF Flexible Capital Fund, L3C and Deputy Director of the Vermont Sustainable Jobs Fund. Janice brings economic and business development as well as financial expertise to the organization, having served in the technology and financial services industries, as well as higher education and state government sectors during her 25-year career. The VSJF Flexible Capital Fund (the “Flex Fund”) recognizes that companies in rural areas like Vermont tend to be smaller and work on a less-than global scale, offering a return on investment that does not always meet venture capital levels. These rural companies may need a form of “equity” to fuel growth but need it in lesser amounts and perhaps at lower returns than traditional venture capital requires. That’s why the Fund will balance equity features and returns with the reality of small business in Vermont, offering flexible risk capital and technical assistance to fit Vermont’s early and growth stage companies’ needs.

Trainings funded in part by the John Merck Fund, and City Market in Burlington, VT.