NCIC offers strategic, adaptive, and creative solutions to overcome economic challenges and meet the changing needs of the people, communities, and employers in our region.

Mission and Values

NCIC’s mission is to generate employment and other social and economic benefits by prudent investment of its own resources while leveraging additional capital and grant opportunities from private and federal sources. We aim to be innovative, flexible, and responsive with the goal of helping businesses and communities succeed and flourish. We accomplish this without discrimination to gender, race, ethnicity, religious beliefs, or sexual orientation.


We are a New Hampshire 501 (c) (3) corporation also registered to conduct business in Vermont. We continue to serve both states and are headquartered in the beautiful historic train depot in downtown St. Johnsbury, VT. NCIC is governed by a fifteen-person Board of Directors that by design hail from all six of the primary service area counties and represent a breadth of business and professional acumen.

Financing, Professional Assistance, and Community Development are NCIC’s three primary program areas. The corporation offers financing strategies to meet the needs of businesses ranging from startups and small proprietorships to large firms. When professional expertise is called for, NCIC may leverage technical assistance grants or connect the business with other professional expertise. Our community services provide grant writing and grant management expertise for a wide range of projects including transportation and utility infrastructure, cultural venues, public buildings, and municipal equipment, just to name a few.


Northern Community Investment Capital (originally Corporation) was established in 1975 to promote sound economic development in northeastern Vermont and northern New Hampshire. In its earliest years, NCIC received federal and private funds to offset its administrative expenses. Since 1982, NCIC has been self-sufficient, relying entirely on contract payments and return on investment capital to support the cost of operations. Over its history, NCIC has owned several subsidiaries and other lines of business to include affordable housing, property management, wireless broadband internet service, professional business services, and travel and tourism promotion. Today’s NCIC focuses on Financing, Professional Assistance, and Communities.