Our Story


We promote economic justice and alleviate poverty by increasing the financial resilience and sustainability of community-based nonprofits and enterprises. Through flexible financial products and sound advice, we create opportunities to make socially responsible investments that revitalize Northern and Central California communities.


We envision financially strong and culturally vibrant communities where each person has access to decent jobs, homes, health care, education, and economic opportunities. We work in partnership with individuals and organizations who share our vision of sustainable communities and social and economic justice.


In 1987, our founders had a vision of putting their money to work as a tool for building financially strong and culturally vibrant communities capable of growing their sown seeds of self-determination. We have successfully carried out that vision since the 1980s, by connecting investors to communities, lending to nonprofits, small businesses, and cooperatives, and providing financial and real estate consulting to organizations that share our vision of sustainable communities and social, racial, and economic justice.

Since then we’ve invested more than $350 million to projects throughout California, impacting the lives of more than 1.5 million of our neighbors. Our lending and consulting services support organizations that provide affordable housing, equitable and sustainable access to healthy food, community arts, and critical social, medical and youth services.

Our Values

Conscious Investment

We deploy capital and knowledge that creates long-term systems change to power structures.


We use evaluation, reflection, and knowledge sharing to inform nimble and innovative approaches to solutions that achieve personal and organizational excellence.

Humility and Respect

We value the wealth of experience, insight, and culture rooted in the communities we work with.

Client Service Focused

We are responsive and consistent in our interactions. Everything starts with our clients’ needs. We adapt our process and offerings accordingly.

Racial and Economic Equity

We recognize that a history of discriminatory financial practices and intentional disinvestment have contributed to a lack of economic progress in low-income communities and communities of color. Community Vision provides capital and technical assistance for communities that have been systemically disadvantaged to ensure fairness in opportunities, resources, and rights for everyone.


We are honest, accountable, and transparent with each other and our stakeholders. We value and practice sound ethical character and behavior.


We recognize and engage each other’s strengths to achieve a shared vision or goal.

Our People

We understand that no one knows your problem better than you do, and we believe that client input is integral to all solutions. Working together, we listen to your concerns and apply our experience and wisdom to tackle the financial challenges our clients face. You are our partner throughout the entire process.


Sabrina Adams : Senior Development Associate

Sabrina Adams

Senior Development Associate

Before joining Community Vision, Sabrina worked in operations and business development for a professional services firm working to enhance the impact of non-profits, Foundations, Federations, and philanthropists in the Jewish communal sector. Sabrina is passionate about working with local, grassroots social change organizations to grow healthier, more equitable communities. She holds a B.A. in English: Creative Writing from San Francisco State University and a M.A. in English Literature at the same institution.

Betty Banh : Staff Accountant

Betty Banh

Staff Accountant

Betty is responsible for accounts payable, accounts receivable and other accounting functions. Before joining Community Vision in February 2015, I worked at First Place for Youth, a nonprofit organization which is to help foster kids build the skills they need to make a successful transition to self-sufficiency and responsible adulthood. Prior to First Place for youth, she worked as a bookkeeper/general accountant at Port Seafood, Inc.

Amanda Bornstein : Real Estate Consultant

Amanda Bornstein

Real Estate Consultant

Amanda has more than 15 years of experience in nonprofit and small business management, urban planning, and real estate. She has worked for local government, community-based arts nonprofits, environmental advocacy organizations, and others. Amanda holds a BA in American Studies and a BFA in Visual Art, both from Tufts University. She also holds a Masters in Urban Planning from UCLA, with a Design and Development concentration.

Ann Cameron : Interim President

Ann Cameron

Interim President

Ann joins Community Vision with more than 30 years of experience in the commercial banking field. While in senior management roles, she has successfully lead high-impact teams working in commercial lending, branch banking, and private banking for high net worth clients. She has served as Board President or Chairperson for numerous boards including La Clinica de la Raza, Community Vision, Marin Community Clinic and the Mayors Commission on Homelessness. Ann is active in her community, focusing on animal rights and keeping the elderly in their homes as they age. She holds a BS in Business from Dominican University.

Xóchitl Cortez : Chief Operating Officer

Xóchitl Cortez

Chief Operating Officer

Xóchitl joins Community Vision with more than 25 years of management and administration experience in small businesses, real estate, as well as education and affordable housing industries. Prior to joining Community Vision, she served as the National Director of Operations at the National Nurses United/California Nurses Association. Xóchitl is active with several East Bay nonprofits that advocate for positive change in schools, healthcare, affordable housing, community safety, and fair immigration policies. She holds a B.A. in American Studies with an emphasis in Public Health from the University of California, Berkeley and a Masters in Business Administration from Mills College.

Ross Culverwell : Vice President, Chief Credit Officer

Ross Culverwell

Vice President, Chief Credit Officer

Ross has over 20 years of experience working in finance and economics. He started at Community Vision in 2006 as a loan officer. Prior to that he spent nine years at Moody’s Investors Service, where he analyzed subsovereign debt mainly in Latin America, and helped expand the firm’s presence there. Ross holds a B.A. in Latin American Studies from UC Santa Cruz and a Master of International Affairs from Columbia University (SIPA). While at SIPA, he completed a State Department internship at the U.S. Embassy in Brazil.


Board of Directors

Patricia GoPaul, Chair

Joy Hoffmann, Vice Chair

Jim Snyder, Treasurer  

David Elssaeser, Secretary  

Anita Addison, At-Large  

Carolyn Johnson

Pamela Merchant

Andy Madeira

John Chan

Luisa Medina

Bryan Ignozzi

Central Valley Advisory Council

John Chan

Lillia Chaves

Tom Collishaw

Arthur Dyson

Caroline Farrell

Salam Nalia

Daniel O’Connell

Dennis Woods

Luisa Medina

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