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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.
Feeding Northeast Florida opened its new facility, with financing from FCLF and the NMTC Program.
The NMTC Coalition has released its 2024 Progress Report: nearly 60,000 jobs across the U.S.
In memory of Inez Long, President and CEO of BBIF, who passed away in June 2024.
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.

Shanté Riley

As Executive Assistant and Office Manager, Ms. Riley provides administrative support to the Chief Executive Officer, Senior Management Team, and staff in all FCLF offices. Ms. Riley also operates as the liaison for all office systems in IT, Human Resources, and telecommunications. On a day-to-basis, Ms. Riley functions in various capacities, preparing and scheduling meetings for Board, Committee, and Senior Management; maintaining up-to-date records of permanent corporate files; and providing general oversight of the office work environment. Ms. Riley joined FCLF in 2023 and brings five years of experience in Marketing and Administration from Trademark & Business Law offices; universities; and nonprofits. Shanté also humbly served as the President & Founder of Helping the Homeless Project caring for the local homeless population in upstate New York. Ms. Riley holds a Bachelor of Arts in Philosophy Politics, and Law and an Associate of Arts in Math and Science Honors.

Hear From Our Partners

"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

Feeding Tampa Bay

"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

“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

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

PNC Bank

"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

"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 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

"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 …

"We are proud to continue our support of the Florida Community Loan Fund." – Jodie Hardman, SVP, Marketing Mgr, Corp Social Responsibility

Bank of America

“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

Carrfour Supportive Hsng Apollo Gardens

"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

"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

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

Sister Mary Heyser, RSHM

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

JPMorgan Chase Foundation

“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

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

Metropolitan Ministries

"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

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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