CDC of Tampa OpenDoorFCLF's mission is to offer expertise and capital to help make projects successful and help organizations improve lives and communities. Our goal is to help organizations build, acquire and rehab projects – ultimately, to help people and build strong communities. We believe a community is defined by its components: housing, schools, healthcare, grocery stores, local businesses. Our loans help stabilize communities by providing resources to help local non-profit and mission-based for-profit organizations succeed and achieve their missions.

For more than 20 Years FCLF has provided Stability and Success in Florida communities.   

Here are some of the ways we have touched lives and communities through our financing programs. 

As of June 30, 2018, FCLF has achieved...

$354 million in total financing into projects totaling $980 million in project costs, through
305 loans through its community development lending, and
23 transactions through the New Markets Tax Credit Program.

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Our borrowers provide affordable housing, for sale and rent, to households that meet low-income criteria. As of June 30, 2018, FCLF has financed 4,774 affordable housing units.

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Supportive housing is financed through FCLF for low-income residents who are at-risk or have special needs. This type of housing typically provides social services on site. FCLF financing has provided 1,305 supportive housing units.
 
FCLF also finances community facilities that serve low-income families and neighborhoods. These include healthcare, education, food access, and other social service facilities. As of June 30, 2018, FCLF has financed or provided NMTC for 138 community facilities, totaling 2.1 million square feet.
 
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When a project obtains financing through FCLF, jobs are provided either as newly created jobs or retained jobs that may have been eliminated had the project not proceeded. Through June 30, 2018, FCLF projects created or retained 8,974 temporary construction jobs and 3,303 permanent jobs.
 
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Projects financed through FCLF and our NMTC program have also provided social services to an estimated 340,260 Floridians each year.
 
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In addition to these measurable impacts, FCLF advocacy work aims to improve public policies that:

  • affect the operating environment in which our borrowers work,
  • create opportunities for increasing the capacity for non-profit developers, and
  • promote transparent accountable strategies for increasing the flow of capital for community and economic development in low- and moderate-income communities.

Our efforts include educating state and federal elected officials on the role of Community Development Financial Institutions (CDFIs) as important intermediary institutions with the capacity to leverage state and federal dollars to achieve greater impact.

To read more about organizations we have financed, we invite you to Meet Our Borrowers. Our Impact report also has more information on our financing throughout Florida.


Here is a snapshot of FCLF's Components of Capital at June 30, 2018:

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 Here is a snapshot of FCLF's Impact throughout Florida as of June 30, 2018. You can download the full Our Impact brochure from our Downloads page.

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"Without FCLF's support, we would not have been able to deliver the services our area so desperately needs. We look forward to a lifetime relationship." – Tom Griffin, CEO

The Transition House, Inc.

"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

"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

"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

"Our partnership with FCLF helps the American Dream of homeownership come true." – Michael Roberts, Exec Dir

R.E.A.C.H.

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

Dignity Health

"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 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

Brevard Neighborhood Development Coaliti…

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

BBVA Compass

"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

"I recommend FCLF for attracting investment to the Florida Preservation Fund... I believe that says something about investor comfort." – Nancy Muller, Policy Director

Florida Housing Finance Corp.

"Thanks to FCLF, we are one step closer to providing a permanent housing solution for veterans and others seeking quality housing at an affordable price." – Carrie Davis, Executive Director

Wealth Watchers

"FCLF made it possible for us to provide many special needs and low-income students with the educational services that they need." – Charlotte Tollefson, Director & Founder

Woodlawn Community Academy

“We cannot thank FCLF enough for this partnership, creating permanent housing for our neighbors in need, and their commitment to Florida communities.” – Shannon Nazworth, President & CEO

Ability Housing

"We are delighted to partner with you to serve those most in need in our communities." – Eileen S. Coogan, President & CEO

Allegany Franciscan Ministries

"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

"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

"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

"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.

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

Sabadell United Bank

Our Partners

ASPIRA of Florida Aspirantes
ASPIRA of Florida offers education & mentoring with a focus on low-income and Latino students.
duPont Fund and FCLF
The duPont Fund used FCLF and NMTC Financing to revitalize downtown Jacksonville.
Emma Jewel Academy and FCLF
Emma Jewel Charter Academy offers education for the whole child in Brevard County.
RCRI Conference 2012
The RCRI Conference allows FCLF staff to touch base with our religious supporters.
ASPIRA of Florida and FCLF
FCLF CEO and one of our supporters visit the ASPIRA Arts Deco school.
Armature Works
FCLF and the NMTC Program renovated a historic building into a small business incubaor.
FCLF and Florida Housing Coalition
FCLF representatives are ready to talk about your project success.
Northern Trust Roundtable
FCLF supporter, the Northern Trust Company, hosted a housing roundtable in Sarasota.
Boys & Girls Clubs of Manatee
FCLF and NMTC are creating a new facility for the Boys & Girls Clubs of Manatee County
TD Bank Charitable Foundation
Support from TD Bank Charitable Foundation helps FCLF build strong communities.
Million Meals 2012
FCLF staff and supporters volunteer at Million Meals event.
Mathis Place Resident
Residents at Neighborhood Renaissance's Mathis Place enjoy affordable rent.
Emma Jewel Charter Academy
Nutritious snacks are a part of the healthy focused curriculum at Emma Jewel Charter Academy.
Greater Heights Resident
FCLF Financing to Neighbor Up Brevard helps provide affordable rental housing.
Neighbor Up, Affordable Housing
Neighbor Up, formerly BNDC, offers affordable housing in Brevard County.
Axiom Bank
Support from Axiom Bank helps FCLF build strong communities.
FCLF at Florida Housing Conference
FCLF Staff are on hand at conferences and events to discuss our programs.
DuPuis Pointe Miami
DuPuis Pointe offers affordable, hurricane proof homes in Miami.
FCLF at Florida Housing Conference
FCLF staff are active at statewide conferences and events.
TD Charitable Foundation, TD Bank
TD Charitable Foundation and TD Bank have supported FCLF's mission since 2006.
FCLF and Rep. Webster
Rep. Daniel Webster visited FCLF staff.
Casa San Juan Bosco and FCLF
Catholic Charities, Diocese of Venice, financed the land for farmworker rental housing with FCLF.
FCLF Board and Staff
FCLF Board Members represent our investors, borrowers, and technical experts.
FLACDC Conference
FCLF Staff meet and greet friends at an FLACDC event.
Neighbor Up and FCLF
FCLF Chief Lending Officer visits with the Executive Director of Neighbor Up (formerly BNDC)
BNDC Greater Heights
Greater Heights offers new, safe, affordable rental homes in what was formerly a high crime area.
Boys & Girls Clubs of Manatee
FCLF staff and US Legislative staff at an event honoring Youth of the Year.
Metro Min Grand Opening
FCLF staff with local supporters at Metropolitan Ministries Tampa.
Valley Bank
Support from Valley Bank helps FCLF build strong communities.
Housing Programs, Inc.
FCLF financing to Housing Programs, Inc. helps provide affordable homes for ownership.
KIPP Jacksonville
Rep. Ander Crenshaw visited KIPP Jacksonville School
MTZ Carver Construction
FCLF projects create jobs and stimulate development in low-income communities.
Casa San Juan Bosco and FCLF
New rental homes are available for farmworker families at Casa San Juan Bosco.
Haley Park Construction
FCLF projects create jobs and stimulate development in low-income communities.
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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.