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.
FCLF exists to maximize opportunities for people and places outside of the economic mainstream.
Opportunity and dignity exist for every person and community in Florida.
Our expertise and capital make projects succesful and help organizations improve lives and communities.
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.”
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.
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.
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 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.
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.
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.
As Director of Finance, Jamaal R. Dickens manages the general accounting, financial reporting, audit activities, financial analysis and forecasting, and asset management requirements for the organization.
Mr. Dickens joined FCLF in 2023, bringing more than 15 years of experience in the areas of financial management and analysis, nonprofit and for-profit accounting, contract procurement and negotiations, governmental budgeting, and federal grant reporting. His managerial background includes Controller and Contracts Director roles within various nonprofit organizations, healthcare finance and for-profit corporations, as well as finance and accounting roles with State of Florida governmental entities, such as the Florida Department of Education, the Florida State Board of Administration, and the Florida College Prepaid Board.
Mr. Dickens holds an MBA from Florida Atlantic University’s College of Business, as well as Bachelors degrees in Accounting and Business Administration from Flagler College. Dickens is also a Lean Six Sigma Green Belt, specializing in improving efficiency in operational processes.
"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
“FCLF does more than finance deals; they make true community investments."– Mandy Bartle, Executive Director
"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
"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
"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
"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
“Our partnership with FCLF makes an enormous difference in overcoming the challenge of providing affordable housing." – Jo Ann Nesbitt, President/CEO
"We are so grateful to FCLF for coming alongside us as partners in creating new outcomes for our friends and neighbors." – Thomas Mantz, President & CEO
"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.
“We are grateful for FCLF’s partnership. This is what is possible when a community comes together for its most vulnerable neighbors."– Stephanie Berman-Eisenberg, Pres/CEO
“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
"We are proud to continue our support of the Florida Community Loan Fund." – Jodie Hardman, SVP, Marketing Mgr, Corp Social Responsibility
“The collaboration between Evara Health and FCLF stands as a testament to what can be achieved through strategic partnerships and innovative financing."– Edward Kucher, Chief Regulatory Officer
"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
"We commend the important work of your organization, are glad to support its efforts." – Beverly Dabney
"It is really working. FCLF is really touching low-income people." – Florida Community Loan Fund Founding Board Member
“FCLF addresses local community needs, which aligns with our core values. We appreciate your commitment to our communities.” – Mellissa Slover-Athey, Comm Reinv Ofcr
“Affordable housing is an issue that needs our full attention. This grant, along with the efforts of FCLF, will help inspire and build better lives and communities." – Steve Fisher, Regional Pres
"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
"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
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