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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

Graceful Solutions

Graceful Solutions is building affordable housing in Tallahassee, for rent and for sale.

Housing and Education Alliance

Housing and Education Alliance offers affordable housing and homebuyer counseling in low-income communities.

Feeding Hope Village

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

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 Manager

Jennifer Rainey, FCLF Loan Portfolio Manager

Jennifer Rainey manages the loan administration team that is responsible for all servicing of the Florida Community Loan Fund's community and economic development loan programs. Her team's work covers commitment letters, title and survey issues, internal preparation of loan documents, loan closings, administration during construction (including analysis and approval of draw requests), performance of site inspections and customer visits. The loan administration team also maintains the loan servicing system providing invoicing, loan history information, reporting functions and social impact tracking. Jennifer provides overall credit review assistance and support to the entire lending team.

Jennifer’s team also supports FCLF's New Markets Tax Credit (NMTC) Program, screening and verifying site and project qualifications to establish NMTC pipeline. Her teammates represent FCLF's real estate and commercial loan interests during NMTC structure closings, and during project construction and disbursement.

Jennifer joined FCLF in November 2021, bringing with her over 35 years’ experience in the banking and  finance industry. Prior to joining FCLF, she was employed at Truist Bank in the role of commercial Credit Operations Senior Manager and Bank of America as a Regional Office Administration Manager. She has an extensive background in all aspects of commercial real estate loan transactions. She earned both her Bachelor of Arts and Masters of Arts from Rollins College in Winter Park.

"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

“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 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

"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

“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 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 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 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

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

Residential Options of Florida

"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 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.

"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…

"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

Neighbor Up Brevard

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

Neighborhood Renaissance

“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

"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

"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

"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

"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.

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

Dignity Health

Tweet @FCLFOrg

There's an increasing gap in #healthcare and #financialservices between majority-white neighborhoods and those of c… https://t.co/htUIFGhtQQ
This Miami nonprofit provides a resource for those in need of #healthyfoods through community refrigerators. https://t.co/I92I1IdRMi
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.