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    LEADING CAPITAL
    to maximize opportunities across Florida.

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    SUCCESSFUL OUTCOMES through $494 million in financing.

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    SOCIAL IMPACT reaching 549,000 Floridians every year.

Through Capital and Expertise, We Drive Positive Economic and Social Change.


For the health and safety of our staff and partners during the COVID-19 pandemic, all FCLF Staff Members are working remotely.
For contact information, please see our Staff Directory.


2020 Annual Report: Creating Solutions for Now and the Future

2019-2024 Strategy: Maximizing Opportunities for People and Places Outside the Economic Mainstream.

Success Stories from FCLF Partners

Feeding Hope Village

Feeding Hope Village is providing affordable housing and redevelopment in Riviera Beach.

Collective Empowerment Group of South Florida, CEG

Collective Empowerment Group, CEG, is building affordable homes in Miami with financing from FCLF.

Neighborhood Housing Foundation

Neighborhood Housing Foundation provides affordable homes for sale in Miami, with financing from Florida Community Loan Fund.

Borrowing from FCLF

Borrower Showcase 2018
Learn more about putting our expertise and capital to work to help your project succeed.

Investing in FCLF

Yellow home 2018
Learn more about investing in Florida's communities, with high impact results from economic development.

Communications and Marketing Manager

deGuehery J 2018 12As Communications and Marketing Manager, Janet de Guehery develops and implements branding and marketing strategies and programs for Florida Community Loan Fund. She is responsible for communications with investors, supporters, borrowers, and policy makers, ensuring consistent messaging across all channels and platforms, including materials for print and web. She works closely with all departments to actively promote the success and positive impact of FCLF borrowers in Florida communities.

Ms. de Guehery joined FCLF in 2007, with over 25 years of experience ranging from small family-owned businesses to multi-million dollar corporations, both for profit and non-profit. Her knowledge across the fields of marketing, administration, and accounting enables her to see the complete picture in FCLF's lending transactions from beginning to end. Ms. de Guehery is a graduate of the University of South Florida.

"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

“The collaboration with FCLF and using NMTC financing allows us to bring the most ambitious projects to life to benefit the communities we serve.” – Elodie Dorso, President & CEO

Community Health Centers of Pinellas

"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 helps the American Dream of homeownership come true." – Michael Roberts, Exec Dir

R.E.A.C.H.

“We are proud to partner with FCLF on this project, which expands access to innovative, quality, comprehensive primary healthcare in our communities.” – Annie Neasman, President & CEO

Jessie Trice Community Health

“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

"Our partnership with FCLF allows us to build an attractive, state of the art facility that patients, staff, and community will be proud of." – Bakari Burns, President-CEO

Orange Blossom Family Health

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

Dignity Health

“Thanks to FCLF adults with disabilities are living independently, fully included in their community." – Sheryl Soukup, Exec Dir

Residential Options of Florida

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

Sabadell United Bank

"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'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

"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

“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

"Aida Palms will be a lasting asset to the City of Lakeland. This revitalization wouldn't be possible without financing partners like FCLF." – Mitchell Rosenstein, Principal, Green Mills Group

Aida Palms

"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…

“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 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.

"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

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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.