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    LEADING CAPITAL
    to maximize opportunities across Florida.

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    SUCCESSFUL OUTCOMES through $470 million in financing.

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    SOCIAL IMPACT reaching 584,000 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

Macedonia CDC of South Brevard

Macedonia CDC of South Brevard provides affordable housing and other programs in low-income communities.

St. Jude Great Commission CDC

St. Jude Great Commission CDC is building new, single-family, affordable homes in St. Petersburg, with financing from FCLF.

Ability Housing, Dozier Apartments

With FCLF financing, Ability Housing purchased Dozier Apartments in Jacksonville’s Springfield neighborhood, keeping housing affordable.

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.

Executive VP, Housing, Development, and ADA Services

Boley Centers, St. Petersburg

Humburg J 2015 70wJack Humburg is the Executive Vice President of Housing, Development, and Americans with Disabilities Act Services for Boley Centers, Inc., a 45-year-old private nonprofit community based in St. Petersburg, Florida. Mr. Humburg is responsible for the development of affordable housing at Boley Centers. Boley Centers and its affiliates currently provide over 1,000 units of affordable housing in Pinellas County.

In addition to his housing development responsibilities, Mr. Humburg serves as the Florida affiliate of the Southeast ADA Center, a program of Syracuse University funded through the National Institute on Disability and Rehabilitation Research of the U. S. Department of Education. In this role, Mr. Humburg has received extensive training on the ADA and the Fair Housing Act through the federal enforcement agencies including the Department of Justice, Equal Employment Opportunity Commission, The U.S. Access Board, and HUD. Mr. Humburg consults on accessibility and ADA with numerous private businesses and various government agencies throughout Florida.

With the Florida Community Loan Fund, Mr. Humburg serves on the Board and as Chair of the Lending Committee. He is also on the Board of the Florida Housing Coalition, the Florida Supportive Housing Coalition, the Disability Achievement Center, and several other boards and committees. Mr. Humburg holds a Master of Arts degree from Ball State University. He is a Certified ADA Coordinator, a Certified Rehabilitation Counselor, and a Certified Professional of Occupancy.

"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

"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 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…

"Without the FCLF initial loan to purchase land, we might not have been able to move forward with farmworker housing." – Peter Routsis-Arroyo, CEO, Catholic Charities, Diocese of Venice

Casa San Juan Bosco

"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

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

JPMorgan Chase Foundation

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

Sabadell United Bank

"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

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

BBVA Compass

“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 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

“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

"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 will help us have significant ongoing impact in West Lakes as we help families set roots in this community.” – Camille Reynolds, Executive Director

Hannibal Square CLT

"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 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

"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

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

Metropolitan Ministries

“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

Overtown Youth Center

Tweet @FCLFOrg

Florida farmworker families often lack digital access - from internet to devices. https://t.co/AkdOwqVSfR via @heraldtribune
A conversation about the #affordablehousing crisis with Bill Lazar of @SJHP2. "Everyone needs shelter… that is dece… https://t.co/WJJjlA9EX4
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.