Our 2023 Annual Report is here

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through $663 million in financing.

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to maximize opportunities across Florida.

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reaching 2 million Floridians every year.

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to help your project succeed.

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of strengthening Florida communities.

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Through Capital and Expertise

We Drive Positive Economic and Social Change

At FCLF we are dedicated to improving lives and communities. Our financing meets the needs of nonprofit organizations and mission-based for-profit companies that develop affordable housing, supportive housing, community facilities, and economic development projects. Every loan we make brings high social impact to its community.

We care about your mission, not just our bottom line.
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Learn about our Core Purpose, Vision, Mission, and how FCLF brings impact to Florida communities.
The Sharing Center offers social services for those experiencing poverty and homelessness in Seminole County.
Metropolitan Ministries is expanding its Pasco County services and facility with NMTC financing.
Autism Inspired Academy serves special needs students in Clearwater, Florida.
FCLF 2022 Annual Report image


Read our 2023 Annual Report: Investing in Florida's Communities.

Our Impact

$663 Million
housing units
community facilities
jobs created or retained
Floridians reached annually with services

Put our expertise and capital to work to help your project succeed.

Who Borrows From FCLF?
  • Community based nonprofit organizations
  • Mission-focused for-profit entities
What Can FCLF Finance?

Community development projects in Florida’s low- and moderate-income neighborhoods. For example,

  • Housing
  • Community Facilities
  • Economic Development

Every investment brings high-impact results to Florida’s communities.

Why Invest in FCLF?

Your support, through an investment or a donation, is a socially responsible investment that delivers capital to where it is most needed.

  • Tangible results: schools, affordable homes, housing providing social services to those with special needs, child care and healthcare facilities.
  • Tailored investment to meet your needs
  • Your investment is stable, secure, and financially sound.
Who Invests in FCLF?

Our wide range of investors and supporters comes from across the U.S.

  • Nearly all leading Florida financial institutions,
  • Religious communities and orders of faith,
  • Federal and state government,
  • Leading national foundations, nonprofits, and corporations.

Hear From Our Partners

"We're thrilled to partner with FCLF to make our project a reality to serve generations of kids in our community." – Dawn Stanhope, President & CEO

Boys & Girls Clubs of Manatee County

“We are grateful for FCLF’s partnership. This is what is possible when a community comes together for its most vulnerable neighbors."– Stephanie Berman-Eisenberg, Pres/CEO

Carrfour Supportive Hsng Apollo Gardens

"Partnering with FCLF helped us lower costs and maintain our construction schedule… helping us serve more families, more efficiently." – Catherine Steck McManus, President & CEO

Habitat for Humanity Greater Orlando …

"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 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

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

JPMorgan Chase Foundation

"We are so grateful to FCLF for coming alongside us as partners in creating new outcomes for our friends and neighbors." – Thomas Mantz, President & CEO

Feeding Tampa Bay

“Our partnership with FCLF makes an enormous difference in overcoming the challenge of providing affordable housing." – Jo Ann Nesbitt, President/CEO

St. Jude Great Commission CDC

"This renovation marks a significant milestone in our 38-year history. We are grateful for FCLF's support and for helping us further our mission." – Nina Yon, President & CEO

The Sharing Center

“Thank you FCLF for assisting me with this project. Soon we will have affordable housing ready, and the community is proud to welcome new families."– Robyn Yant, Owner & Founder

Impactful Investment Partners

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

Sister Mary Heyser, RSHM

"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

"We are proud to continue our support of the Florida Community Loan Fund." – Jodie Hardman, SVP, Marketing Mgr, Corp Social Responsibility

Bank of America

"FCLF is very focused on bringing financing to affordable housing. Stability in these households brings stability to the entire community." – Jonathan Wolf, President & Founder

Wendover Housing

"This renovation is an investment in the community we have served for 25 years. We are tremendously grateful to FCLF for boldly supporting us." – Ed Durkee, President & CEO

Goodwill Industries of Cent. Florida

“The collaboration between Evara Health and FCLF stands as a testament to what can be achieved through strategic partnerships and innovative financing."– Edward Kucher, Chief Regulatory Officer

Evara Health

“Expanding our facility with NMTC financing provides the Overtown community resources necessary to provide a fighting chance to break down barriers and break the cycles of poverty.” – Tina Brown, CEO

OYC Miami

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

BBVA Compass

“FCLF addresses local community needs, which aligns with our core values. We appreciate your commitment to our communities.” – Mellissa Slover-Athey, Comm Reinv Ofcr

CenterState Bank

“Thanks to FCLF we’re able to provide brand-new safe, affordable homes for 90 families in a sustainable mixed-use, mixed-income community." – Mitchell Rosenstein, Founder & Principal

Green Mills Group

Core Purpose FCLF exists to maximize opportunities for people and places outside of the economic mainstream.
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.

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