California Community Vision Loans

As a leading mission-driven lender, Community Vision provides creative capital solutions of all sizes to support community-based organizations and small businesses with the resources they need to strengthen, stabilize, and thrive.

Community Vision fills the gap for communities with low financial wealth who have been systemically limited in their access to the vital resources they need to obtain financial freedom. As partners, Community Vision works alongside its clients to foster revitalized, equitable, and vibrant communities.

All applicants must

• Be located within Northern or Central California.

• Demonstrate evidence of ability to meet the terms of the proposed loan.

• Demonstrate deep community roots and focus on amplifying visions for their own communities.

Term:

• Up to 10 years

Lines of Credit:

• 12 months (renewable)

Loan-to-Value:

• Up to 90%

Interest Rate:

• Real Estate: 5.75%-6.25%

• Working Capital: 6.25%-6.75%

• Possibly lower for very high impact projects.

Loan Fees:

• 1.5%-2% including application, commitment, and closing.

Collateral:

• Real estate preferred but will consider other types of collateral. Subordination to conventional lenders considered.

• Community Vision CA Website