Besides knowing that your dollars are helping Vermont farmers and food artisans reach a thriving, strong marketplace for their products, the staff at Sweet Clover Market will work with every patron lender to make sure we make your favorite grocery products available. It's like having your own personal shopper seven days a week.

Patron Lenders can choose one of two plans in exchange for their participation.

Plan A:

Loans of $5,000 earn an interest rate of 6.00% APY. Interest is compounded annually from the date that SCM accepts the loan proceeds. The term of the loan is five years and repayment is made in the form of a balloon payment of principal ($5,000) plus accrued interest ($1,693).

Plan B:

If your average natural foods budget is $35 a week or more,
Plan B is designed for you.
At $35 a week, you’ll save $ 1,820 over the five year loan term.*
At $50 a week, you’ll save $ 2,600 over the five year loan term.*
*these calculations do not take into consideration the present value of future monies or opportunity costs

With Plan B, loans of $5,000 earn no interest (0.00% APY) and patrons receive a 20% discount card toward all purchases at Sweet Clover Market while the loan is outstanding. The term of the loan is five years from the date SCM accepts the loan proceeds. A balloon payment of principal only ($5,000) will be made at the end of five-year term.

Seize this opportunity today. Ellen and Heather look forward to meeting you to share more details about the store as you consider joining us. Please contact us to arrange a meeting at your convenience.

back to What is a Patron Lender?

SIGN UP TO RECEIVE OUR E-NEWSLETTER