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    LEADING CAPITAL
    to maximize opportunities across Florida.

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    SUCCESSFUL OUTCOMES through $407 million in financing.

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    SOCIAL IMPACT reaching 492,000 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 or coronavirus pandemic, all FCLF Staff Members are working remotely. For contact information, please see our Staff Directory.


2019 Annual Report: Committed to Florida’s Communities

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

Success Stories from FCLF Partners

Overtown Youth Center

Overtown Youth Center is building a new facility with NMTC financing through FCLF.

Fort Lauderdale CDC

Fort Lauderdale CDC improves and sustains the Sistrunk community by offering affordable housing.

Community Health Centers of Pinellas

With NMTC financing, Community Health Centers of Pinellas will renovate 2 and build 2 new healthcare locations across Pinellas County.

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.

Loan Portfolio Analyst

angov-k-2014-70wKelly Baldwin has been with FCLF since 2005. In her position as Loan Portfolio Analyst, Kelly is responsible for loan servicing and administration, communication with our borrowers, producing monthly lending reports for internal as well as external uses, and supporting the lending team in all aspects.  Her prior experience includes wholesale lending, warehouse lending, and corporate accounting.  She graduated from the University of Central Florida with a Bachelor’s degree in Finance and International Business. 

"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

"BankUnited understands the challenges facing our communities; we applaud FCLF's efforts. Thank you for making our community a better place to live." – Katrina Wright, VP Comm. Dev.

BankUnited

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

Dignity Health

"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…

"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 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

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

BBVA Compass

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

Sabadell United Bank

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

JPMorgan Chase Foundation

"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

"When nobody else would take a chance on us, FCLF did. Woodlawn is thriving today and we will always be grateful for your part in that.." – PeterTollefson, Dean of Students

Woodlawn Community Academy

“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 look forward to continuing our successful relationship with FCLF and working together to meet the needs of our communities." – Nancy Merolla, VP/CRA Officer

Florida Community Bank

"Our relationship with FCLF provides the capital to achieve long-lasting impact." – Terri Murray, Exec Dir

Neighborhood Renaissance

"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 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

"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

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

Residential Options of Florida

"FCLF was instrumental in making this important project a reality, bringing us one step closer to ending chronic homelessness in Miami-Dade County." – Dr. Paul A. Ahr, President & CEO

Camillus House

Tweet @FCLFOrg

How do we keep people fed during a pandemic? via @Shelterforce https://t.co/dq4SxjpLqf https://t.co/zGGoBA31XH
Even before the pandemic, poverty was a way of life for many Black children in Tampa Bay https://t.co/g07fe3qME3
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.