What Can FCLF Finance?

Florida Community Loan Fund offers financing to nonprofit organizations or for-profit entities, for community development projects in Florida’s low- and moderate-income neighborhoods. FCLF financing may be right for these types of projects.

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If you are a developer seeking financing for housing, and you are building, renovating or rehabilitating these types of housing, then FCLF may be able to help with financing for your project.  

  • Single Family Affordable Housing
  • Multifamily Affordable Housing
  • Supportive Housing, incuding social services for residents
  • Preservation of Multifamily Affordable Rental Housing

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If you are a developer seeking financing for a community facility, and you are building, renovating or rehabilitating these types of facilities, then FCLF may be able to help with financing for your project.

  • Community and Family Healthcare Centers
  • Education Facilities, such as charter schools or mentoring programs
  • Social Services Facilities, providing services such as homeless, domestic violence, or other social services
  • Food Access Projects that provide greater access to fresh, healthy foods in low-income, underserved, food insecure communities.

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If you are a developer seeking financing for a real estate based project that provides economic development, catalzyes business opportunites in a low- to moderate-income neighborhood, or creates jobs, FCLF may be able to help with financing for your project.

  • Technology Hubs
  • Business Incubaros
  • Catalytic Redevelopment Projects
  • May include New Markets Tax Credit (NMTC) financing

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If you are a developer seeking financing for an environmentally sustainable project that stimulates economic development in a low- to moderate-income area, then FCLF may be able to help with financing for your project. We have funded Green projects including:

  • Affordable single family housing built to green standards
  • Energy efficient upgrades and renovations to affordable rental housing
  • Commercial retail centers with LEED Certification
  • Solar technology manufacturing
  • Water purification and storage/treatment area

Florida Community Loan Fund seeks to bring projects to low- and moderate-income communities throughout Florida. We offer financing to non-profit and mission based for-profit organizations. Loan types include:CDC of Tampa OpenDoor

  • Construction lines of credit
  • Rehab loans
  • Term and permanent loans
  • Refinancing in certain cases

FCLF current interest rates are from 4.25% to 5.75%, with terms of 7 to 10 years and amortizations up to 30 years.

You can learn more specific information about FCLF's Lending Programs:

You can also visit our Downloads and Resources page. If you feel that FCLF financing could help your project be a success, we encourage you to Contact Us.

This institution is an equal opportunity provider.

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.