Cover photo for California Community Vision Loans

California Community Vision Loans

Community Vision Capital & Consulting

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.



  • Up to 10 years

Lines of Credit:

  • 12 months (renewable)


  • 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.


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

Application Instructions

Interested borrowers should start by completing the online inquiry form on this page. Community Vision will contact the application and guide the process from there.

Updated March 22, 2024

Image Credit: Anaya Katlego

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