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 successful and help organizations improve lives and communities.
We Believe In A THRIVING FLORIDA FOR ALL
Building a strong Florida together.
FCLF champions opportunity and dignity for every person and community in Florida. We partner with organizations that create access to affordable housing and essential services for all Floridians, particularly in communities of color. We are committed to providing capital for organizations serving and led by people of color and to measure our impact on expanding access to resources.
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 stronger 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.
2025
We’ve been a Florida-based CDFI for 30 years and we're celebrating! Serving all of Florida, FCLF provides affordable housing and essential services to 2.65 million Floridians every year. We will continue to create high social impact in low-income communities for decades to come.
OUR IMPACT
All FCLF-financed projects have a direct social impact on the low-income communities we serve.
Florida Community Loan Fund is pleased to present our Strategic Plan for fiscal years 2026 through 2028.
Project Peach celebrates completion of its Miami Overtown project with a ribbon cutting event.
Lotus House recently celebrated the grand opening of Lotus Children’s Village, built with financing through the NMTC Program.
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.
Michael Jones
As a Community Development Loan Officer, Michael Jones underwrites community and economic development loans for Florida Community Loan Fund's commercial loan programs. Mr. Jones also provides technical assistance to borrowers throughout Central and Southwest Florida. Mr. Jones brings 7 years of commercial banking experience to FCLF having served in both administration and, most recently, portfolio management/ underwriting roles at both Truist and SouthState Bank. Mr. Jones underwrote both commercial and industrial and commercial real estate loans during his time at those institutions and is committed to using that experience to help low income communities throughout Florida. Mr. Jones is a 2015 graduate of UCF and has been a Florida resident since moving from Detroit, MI in 1996.
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Community Development Loan Officer
Hear From Our Partners
“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
Truist
"FCLF is a difference maker! Their team provides solutions to bring about real change in a community." – Tim Marks, President & CEO
Metropolitan Ministries
"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
"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
"FCLF shows a clear strategy and demonstrated evidence of addressing prevalent community needs." – J. Reymundo Ocañas, Director, Corp Responsibility
BBVA Compass
“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
"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 does more than finance deals; they make true community investments."– Mandy Bartle, Executive Director
South Florida Community Land Trust
"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
Partnering with FCLF allows PNC to help build strong communities. - Aileen Pruitt, Florida Market Manager, PNC Community Development Banking
PNC Bank
"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 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.
"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
"We are proud to continue our support of the Florida Community Loan Fund." – Jodie Hardman, SVP, Marketing Mgr, Corp Social Responsibility
Bank of America
"It is really working. FCLF is really touching low-income people." – Florida Community Loan Fund Founding Board Member
Sister Mary Heyser, RSHM
“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
Evara Health
“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'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
"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
"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
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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