Investor FAQ

Is my investment in the Florida Community Loan Fund tax deductible? Both equity investments and contributions to FCLF’s general operations are tax-deductible. Debt capital investment or equity-equivalent investments are not. Financial institutions, however, can receive CRA investment and/or service test credit for either equity, equity-equivalent or debt capital investments. Contributions to FCLF’s general operations are tax deductible up to the limit of the law.

When will FCLF pay me interest on my investment? The Florida Community Loan Fund pays interest annually on June 30 of each year.

How can I be sure my investment is safe? The Florida Community Loan Fund adheres to underwriting and lending policies that ensure financial safety and soundness. To protect FCLF and its investors, it maintains a healthy loan loss reserve and through prudent growth of capital it ensures a safe capital position for investors. Historical loan loss experience is a good indicator of the quality of FCLF’s risk. Since inception in 1996 the organization has maintained an extremely low rate of loan losses. Please check with us for our current historical profile.

The Florida Community Loan Fund maintains active registration as a charitable organization in the State of Florida, and is a qualified nonprofit organization under section 501(c)(3) of the Internal Revenue Service Code. FCLF annual financial audits are available to the public and on its website.

Who else supports FCLF? Nearly all of Florida's leading banks, state and national foundations, many religious organizations and communities, and all seven of the Catholic Dioceses of Florida. Even Jimmy Buffet's Singing for Change Foundation is an FCLF supporter.

Can I get my investment back? Yes, upon maturity. All debt investments (essentially loans to FCLF) carry a specific term that is typically 3 to 10 years. FCLF will notify you by letter prior to the maturity date with options to redeem your investment or renew the investment for an additional term.

For more information on making an investment in FCLF, visit our Downloads and Resources page and see our Investor Resources.

"It is really working. FCLF is really touching low-income people." – Florida Community Loan Fund Founding Board Member

Sister Mary Heyser, RSHM

“The partnership with FCLF is very exciting for us – an essential component in providing greater access to fresh healthy food in downtown New Port Richey.” – Jeff Wright, Owner

Wright's Natural Market

"FCLF was instrumental in making this important project a reality, bringing us one step closer to ending chronic homelessness in Miami-Dade County." – Dr. Paul A. Ahr, President & CEO

Camillus House

"Thanks to FCLF, we are one step closer to providing a permanent housing solution for veterans and others seeking quality housing at an affordable price." – Carrie Davis, Executive Director

Wealth Watchers

"We appreciate how the work of FCLF primarily benefits low- to moderate-income individuals and areas and supports the needs of our community." – Maria J. Thompson, Community Development Manager

Third Federal Savings

"I appreciate FCLF for lending in rural areas, where many other lenders are exiting. From the first moment we spoke with FCLF staff, we felt we had a partner." – Jamie Kerr, President, AMCS Dev.

Griffin Heights

"FCLF understands and is a part of what we are doing: helping families have the American dream of owning a home." – Isaac Simhon, Executive Director

Housing Programs, Inc.

"We look forward to continuing our successful relationship with FCLF and working together to meet the needs of our communities." – Nancy Merolla, VP/CRA Officer

Florida Community Bank

"FCLF plays a significant role in sustaining vibrant and thriving communities. We are pleased to support your ongoing community based efforts." – Ernie Diaz, South Florida Market President

TD Charitable Foundation

"Cade Museum is proud to be partners with FCLF and JPMorgan Chase. Thanks to the NMTC Program, we will provide a transformative asset to our community." – Jennifer Denault, COO

Cade Museum for Creativity & Inventi…

"We appreciate the accomplishments your organization attains." - Robert Sucher, Executive VP

Sabadell United Bank

"We couldn't achieve our mission of creating strong neighborhoods without FCLF's help. Their staff is always friendly, quick to respond, and efficient." – Bonnye Deese, Executive Director

BAND

"We are delighted to partner with you to serve those most in need in our communities." – Eileen S. Coogan, President & CEO

Allegany Franciscan Ministries

"Trinity Health is happy to partner with FCLF. We look forward to seeing the impact in the communities you serve." – Sr. Kathleen Coll, SSJ, Administrator, Shareholder Advocacy

Trinity Health

"FCLF made it possible for us to provide many special needs and low-income students with the educational services that they need." – Charlotte Tollefson, Director & Founder

Woodlawn Community Academy

"Without FCLF's support, we would not have been able to deliver the services our area so desperately needs. We look forward to a lifetime relationship." – Tom Griffin, CEO

The Transition House, Inc.

"FCLF staff shares our vision and commitment to serve needy families and provide a high quality education to all children." – Thomas Cole, Founder

Emma Jewel Charter Academy

"FCLF understood our context, embraced the project vision, and were willing to make an investment that others deemed as too risky." – Lynn Brockwell-Carey, Executive Director

Brevard Neighborhood Development Coaliti…

"We commend the important work of your organization, are glad to support its efforts." – Beverly Dabney

JPMorgan Chase Foundation

"FCLF demonstrates a mission-oriented philosophy that is compatible and supportive, broadens our platform and deepens our portfolio of products and services." – Kent Adcock, CEO

Habitat for Humanity of Lake-Sumter

Our Partners

Metro Min Grand Opening
FCLF staff with local supporters at Metropolitan Ministries Tampa.
ASPIRA of Florida Aspirantes
ASPIRA of Florida offers education & mentoring with a focus on low-income and Latino students.
Million Meals 2012
FCLF staff and supporters volunteer at Million Meals event.
TD Charitable Foundation, TD Bank
TD Charitable Foundation and TD Bank have supported FCLF's mission since 2006.
Neighbor Up and FCLF
FCLF Chief Lending Officer visits with the Executive Director of Neighbor Up (formerly BNDC)
ASPIRA of Florida and FCLF
FCLF CEO and one of our supporters visit the ASPIRA Arts Deco school.
MTZ Carver Construction
FCLF projects create jobs and stimulate development in low-income communities.
RCRI Conference 2012
The RCRI Conference allows FCLF staff to touch base with our religious supporters.
Emma Jewel Academy and FCLF
Emma Jewel Charter Academy offers education for the whole child in Brevard County.
Casa San Juan Bosco and FCLF
New rental homes are available for farmworker families at Casa San Juan Bosco.
duPont Fund and FCLF
The duPont Fund used FCLF and NMTC Financing to revitalize downtown Jacksonville.
FCLF and Rep. Webster
Rep. Daniel Webster visited FCLF staff.
KIPP Jacksonville
Rep. Ander Crenshaw visited KIPP Jacksonville School
FCLF Board and Staff
FCLF Board Members represent our investors, borrowers, and technical experts.
Emma Jewel Charter Academy
Nutritious snacks are a part of the healthy focused curriculum at Emma Jewel Charter Academy.
Neighbor Up, Affordable Housing
Neighbor Up, formerly BNDC, offers affordable housing in Brevard County.
BNDC Greater Heights
Greater Heights offers new, safe, affordable rental homes in what was formerly a high crime area.
FLACDC Conference
FCLF Staff meet and greet friends at an FLACDC event.
Haley Park Construction
FCLF projects create jobs and stimulate development in low-income communities.
DuPuis Pointe Miami
DuPuis Pointe offers affordable, hurricane proof homes in Miami.
Northern Trust Roundtable
FCLF supporter, the Northern Trust Company, hosted a housing roundtable in Sarasota.
Casa San Juan Bosco and FCLF
Catholic Charities, Diocese of Venice, financed the land for farmworker rental housing with FCLF.
FCLF and Florida Housing Coalition
FCLF representatives are ready to talk about your project success.
FCLF at Florida Housing Conference
FCLF staff are active at statewide conferences and events.
Previous Next
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.