Aeris Rating System

FLORIDA COMMUNITY LOAN FUND
AERIS RATING: star blackstar blackstar black AA Policy Plus

AERIS Rated 3 stars AA policy plusClick here to view our Aeris Rating Certificate and explanations of the ratings, which shows our Rating of 3 Star AA Policy Plus as of June 30, 2017.

Florida Community Loan Fund has maintained a rating of  star bluestar bluestar blue AA Policy Plus in our most recent Aeris assessment and review.

  • Impact: 3 Stars star bluestar bluestar blue . FCLF has clear alignment of mission, strategies, activites, and data that guide our programs and planning.
  • Financial: AA. FCLF has very strong financial strength, performance, and risk management practices relative to our size, complexity, and risk profile.
  • Policy Plus: is a confirmation that policy change is an integral part of our strategies. FCLF leads initiatives to change government policy that benefits disadvantaged people and communities.

FCLF was one of the first groups to receive an Aeris rating back in 2004, and we were an early adopter of Aeris' new annual rating process that was launched in 2016. The rating reflects our commitment to providing reliable, flexible funding to socially responsible community developers in support of affordable housing and essential community services.

Aeris is an information service for community investors who are committed to strengthening economic resilience in underserved markets. This comprehensive, 3rd party assessment of Community Development Financial Institutions (CDFIs) underscores FCLF's solid social impact performance and financial strength. The assessment is based on 5 years of historical performance, and the in-depth, on-site examination of our organization included: 

  • a comprehensive analysis of financial and programmatic information
  • an extensive review of loan files and risk management systems
  • in-depth interviews with management and board members

Aeris provides these ratings as well as other data to their subscribers. More information on Aeris and the CDFI Rating System is available at www.aerisinsight.com. Subscribers may access the full report on FCLF and other rated CDFIs through the Aeris website.

"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

"Thank you to our friends at FCLF. Your staff has been patient and helpful. We'll make you proud!" – Bill Lazar, Executive Director

St. Johns Housing Partnership

"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

"The Fathers Table Foundation appreciates the services FCLF provides and the impact on the communities you serve. We believe in your organization and your mission." – Dan Gilardi, President

Fathers Table Foundation

"We consider FCLF a valued partner and strong advocates for low-income communities and families. We look forward to many more years of working together." – Jennifer Westerbeck, Vice President

US Bancorp CDC

“We cannot thank FCLF enough for this partnership, creating permanent housing for our neighbors in need, and their commitment to Florida communities.” – Shannon Nazworth, President & CEO

Ability Housing

"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

"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.

"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…

"FCLF shows a clear strategy and demonstrated evidence of addressing prevalent community needs." – J. Reymundo Ocañas, Director, Corp Responsibility

BBVA Compass

"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 is a difference maker! Their team provides solutions to bring about real change in a community." – Tim Marks, President & CEO

Metropolitan Ministries

"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.

"I recommend FCLF for attracting investment to the Florida Preservation Fund... I believe that says something about investor comfort." – Nancy Muller, Policy Director

Florida Housing Finance Corp.

"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

“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 has proven its community impact and hard work. We are proud to partner with FCLF." – Leslie Watson, Analyst, Community Investments

Dignity Health

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

JPMorgan Chase Foundation

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

Sister Mary Heyser, RSHM

"We couldn’t have pulled this project together without FCLF as partners. This is the start of great work in Jacksonville’s historic Springfield district." – Kevin Gay, Exec. Director

Operation New Hope

Our Partners

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