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

Metropolitan Ministries

"I appreciate FCLF for lending in rural areas, where many other lenders are exiting. From the first moment we spoke with FCLF staff, we felt we had a partner." – Jamie Kerr, President, AMCS Dev.

Griffin Heights

"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

"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

"We couldn’t have pulled this project together without FCLF as partners. This is the start of great work in Jacksonville’s historic Springfield district." – Kevin Gay, Exec. Director

Operation New Hope

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

BBVA Compass

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

Neighborhood Renaissance

"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.

"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 consider FCLF a valued partner and strong advocates for low-income communities and families. We look forward to many more years of working together." – Jennifer Westerbeck, Vice President

US Bancorp CDC

"We commend the important work of your organization, are glad to support its efforts." – Beverly Dabney

JPMorgan Chase Foundation

“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

"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

"FCLF demonstrates a mission-oriented philosophy that is compatible and supportive, broadens our platform and deepens our portfolio of products and services." – Kent Adcock, CEO

Habitat for Humanity of Lake-Sumter

"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 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

"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 Partners

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