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WE ARE DEDICATED

to maximizing opportunities in Florida communities.

Florida Community Loan Fund (FCLF) is a statewide Community Development Financial Institution (CDFI). Established in 1994 as a 501(c)(3), we are a mission-based nonprofit organization dedicated to improving low-income communities throughout Florida by delivering flexible financing and staff expertise. Learn more about Our Impact.

Our lending provides various types of financing to meet the needs of nonprofit organizations and mission-based for-profit organizations that develop affordable housing, supportive housing, community facilities, and economic development projects. This financing can include loans for new construction, preservation, rehab, acquisition, lines of credit, and/or longer term permanent financing. Learn more about Borrowing from FCLF.

Our financing is made possible by FCLF's strong track record of performance and partnership with investors. These investors include financial institutions, religious organizations, foundations, government entities, nonprofits, corporations and individuals – all of which support FCLF's mission in various ways. Learn more about Investing in FCLF.

OUR 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 succesful and help organizations improve lives and communities.


We Believe In Equity

We Believe in Equity ribbon cutting image

Advancing racial equity is essential to FCLF’s vision of opportunity and dignity for every person and community in Florida.

We recognize that people and communities of color have historically had profoundly imbalanced access to affordable, stable housing and essential services, including life-saving healthcare. We are committed to providing capital for organizations that serve and are led by people of color and to measuring our activities toward this pursuit.

Our History

1994

FCLF was founded to support community development across Florida. FCLF Founding Board Member Sister Mary Heyser of the Religious of the Sacred Heart of Mary inspired leaders statewide to capitalize “the Loan Fund.”

1996

Under the wisdom and leadership of our founders, FCLF became Florida’s first statewide certified CDFI. We made our first loan for $50,000 to provide 7 single family homes for low-income households.

2004

FCLF became certified as a Community Development Entity (CDE) by the U.S. Dept. of Treasury and began our New Markets Tax Credit program. The NMTC program continues to have a high impact on economic development and jobs creation.

2009

Coming out of the Great Recession strong than ever, FCLF remained patient and persistent as we worked alongside community developers. We also received our first major support from the State of Florida to preserve affordable multifamily housing.

2014

2014 was a record-setting year for FCLF, as we deployed over $45 million in financing in a single year – a number that has continued to increase in subsequent years. In 2014, FCLF was one of 3 CDFIs awarded the national Wells Fargo NEXT Opportunity Award.

2018

By 2018, FCLF's total assets had grown to $71 million through management of our loan portfolio improving low-income communities. We were recognized for our hard work and impact with an NMTC Allocation award and a CDFI Award including Florida's only award for HFFI (Healthy Food Financing Initiative) and Disability Finance.

2022

FCLF continues to grow and evolve with net assets totaling $108 million and 411 loans closed. Over the past 2 years we reacted swiftly to the threat of the COVID-19 pandemic, creating emergency relief loan programs for FCLF borrowers, and partnering with fellow CDFI CRF to offer Paycheck Protection Program loans.

Read Our Founding Story
About Us, Impact, Boys & Girls Clubs of Manatee County

OUR IMPACT

All FCLF-financed projects have a direct social impact on the low-income communities we serve.
FCLF was awarded $60 million NMTC Allocation, which will support high quality jobs, expanded healthcare, and community services.
St. Jude Great Commission CDC, an FCLF borrowing partner, welcomes first time homebuyers to their new home.
Feeding Northeast Florida opened its new facility, with financing from FCLF and the NMTC Program.
More News
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PUBLICATIONS AND RESOURCES

Need additional information? Here are PDF documents and links to affiliated organizations.

Our Team

FCLF’s Team consists of individuals dedicated to maximizing opportunities for people and places outside the economic mainstream. We are committed to putting our expertise to work to make projects successful and help organizations improve lives and communities.

Angela Kisling

Angela Kisling is a member of the loan administration team that is responsible for servicing FCLF's diverse portfolio of community and economic development loan programs. Ms. Kisling works with loan officers to prepare loan documents, oversee execution of loan and other documents, administer construction draw disbursements, review covenant compliance issues and maintain loan file documentation. Ms. Kisling joined FCLF in 2019 with 17 years’ experience in banking with an emphasis on commercial real estate lending, document preparation, commercial appraisal review and residential appraisal review. Prior to her relocation to central Florida in 2012, Ms. Kisling was a licensed Realtor for 10 years.

Hear From Our Partners

"Partnering with FCLF helped us lower costs and maintain our construction schedule… helping us serve more families, more efficiently." – Catherine Steck McManus, President & CEO

Habitat for Humanity Greater Orlando …

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

BBVA Compass

“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

“With FCLF’s invaluable assistance, HBH was able to realize a transformative vision that is a game-changer for our community."– John Aquino, Dir. of Admin

Henderson Behavioral Health

"It is really working. FCLF is really touching low-income people." – Florida Community Loan Fund Founding Board Member

Sister Mary Heyser, RSHM

"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

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

PNC Bank

“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

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

Metropolitan Ministries

“Thanks to FCLF we’re able to provide brand-new safe, affordable homes for 90 families in a sustainable mixed-use, mixed-income community." – Mitchell Rosenstein, Founder & Principal

Green Mills Group

"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

"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

“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

"FCLF is very focused on bringing financing to affordable housing. Stability in these households brings stability to the entire community." – Jonathan Wolf, President & Founder

Wendover Housing

"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

"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

"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

"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.

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.

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