About Us

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Our Vision: Opportunity and dignity exist for every person and community in Florida.
Our Mission: Our expertise and capital make projects successful and help organizations improve lives and communities. 


The Florida Community Loan Fund (FCLF) is a state-wide Community Development Financial Institution (CDFI). Established in 1994 as a 501(c)(3), we are a mission-based nonprofit organization dedicated to improving low-income communities throughout Florida by delivering flexible financing and staff expertise.

Our lending approach focuses on providing various types of financing to meet the needs of nonprofit organizations and mission-based for-profit organizations that develop affordable housing, supportive housing, community facilities, and economic development projects. This financing can include loans for new construction, preservation, rehab, acquisition, lines of credit, and/or longer term permanent financing.

Our financing is made possible by FCLF's strong track record of performance and partnership with investors. These investors include foundations, religious organizations, financial institutions, government entities, trade associations, corporations and individuals – all of which support FCLF's mission in various ways. Their support includes permanent capital contributions, debt capital investments, equity equivalent investments, and general operating support contributions.

For 20 Years we have provided Expertise and Capital to help projects succeed.

We invite you to learn more about the Florida Community Loan Fund, and to contact us if you have additional questions.


  FCLF News and Updates

News about the impact of the Florida Community Loan Fund, our partners, and events that affect community development throughout Florida...
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FCLF maintains Standing Committees with representatives from our Investors, our Borrowers, and Technical Experts...

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FCLF understands what we are doing and is a part of what we are doing: trying to help families have the American dream of owning a home.
- Isaac Simhon, Executive Director, Housing Programs, Inc.