Slide 1

SUCCESSFUL
OUTCOMES

through $856 million in financing.

previous arrow
next arrow

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.
about us pic

ABOUT FCLF

Learn about our Core Purpose, Vision, Mission, and how FCLF brings impact to Florida communities.
Lofts on 6th, developed by Green Mills Group, will provide affordable housing for seniors in Fort Lauderdale.
Bristol Manor, developed by Wendover Housing Partners, will provide affordable housing for seniors in Orange City.
Boys & Girls Clubs of Palm Beach County will expand their reach to low-income youth with a new club financed through FCLF and the NMTC program.
FCLF 2025 Annual Report image

2025 ANNUAL REPORT

Read our 2025 Annual Report: Resiliency • Strength • Commitment.

Our Impact

$856 Million
financed
9,425
housing units
203
community facilities
30,792
jobs created or retained
2,725,002
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

“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

Partnering with FCLF allows PNC to help build strong communities. - Aileen Pruitt, Florida Market Manager, PNC Community Development Banking

PNC Bank

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

BBVA Compass

“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

"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

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

Metropolitan Ministries

"FCLF has a keen knowledge of Florida challenges & opportunities. We are confident our investment will be used to improve lives." – Kathleen Rizzo Young, Sr. VP, Community Development

HSBC Bank USA, N.A.

“FCLF does more than finance deals; they make true community investments."– Mandy Bartle, Executive Director

South Florida Community Land Trust

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

Bank of America

"We admire your passion for improving our nation’s communities. We hope that together we can continue closing the gap between people and opportunities." – Zack Boyers, Chairman & CEO

US Bancorp CDC

"Thanks to FCLF on behalf of the many women and children served by our team. We have seen thousands of lives changed and NMTC financing was an extraordinary boost." – Constance Collins, Presi

Lotus Village

"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

"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

“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

“Affordable housing is an issue that needs our full attention. This grant, along with the efforts of FCLF, will help inspire and build better lives and communities." – Steve Fisher, Regional Pres

Truist

"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

"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

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

JPMorgan Chase Foundation

"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

“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

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.

Sign Up for our Newsletter