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.
Treasure Coast Community Health celebrated the grand opening of its new West Health Center, financed through the NMTC Program.
Goodwill Industries of Central Florida celebrated its campus renovation, made possible with financing through FCLF and NMTC.
The New Markets Tax Credit (NMTC) Program has been made permanent by the U.S. Congress.
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.
Typhanie Stewart
As Communications and Marketing Manager, Typhanie Stewart leads strategic communications for the Florida Community Loan Fund (FCLF), engaging investors, supporters, borrowers, policymakers, and new audiences through public relations and marketing initiatives. She develops and implements branding and marketing programs, ensuring consistent messaging across all channels such as print, web, and social media. She collaborates across all departments to highlight the success and positive impact of FCLF borrowers throughout Florida communities.
Typhanie joined FCLF in 2025 with 17 years of communications and marketing experience building public relations strategies, managing brands, and telling meaningful stories that drive impact. She has worked in both in-house and agency settings representing for-profit and nonprofit entities that span more than a dozen industries, including commercial real estate, development, construction, healthcare, banking, education, and lifestyle.
Typhanie earned her Master of Business Administration from Nova Southeastern University and her Bachelor of Science in Communications from the University of Miami.
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Communications & Marketing Manager
Hear From Our Partners
"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'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
“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
"It is really working. FCLF is really touching low-income people." – Florida Community Loan Fund Founding Board Member
Sister Mary Heyser, RSHM
"FCLF shows a clear strategy and demonstrated evidence of addressing prevalent community needs." – J. Reymundo Ocañas, Director, Corp Responsibility
BBVA Compass
"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
“We are excited and thrilled about our expansion, and thankful for the partnership with FCLF. Together we are building healthy futures for children and families." – Vicki Soulé, CEO
Treasure Coast Community Health
"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
"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
"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
Partnering with FCLF allows PNC to help build strong communities. - Aileen Pruitt, Florida Market Manager, PNC Community Development Banking
PNC Bank
"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 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
"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 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
“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
"FCLF is a difference maker! Their team provides solutions to bring about real change in a community." – Tim Marks, President & CEO
Metropolitan Ministries
“Thank you FCLF for assisting me with this project. Soon we will have affordable housing ready, and the community is proud to welcome new families."– Robyn Yant, Owner & Founder
Impactful Investment 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
“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
OYC Miami
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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