slider borrow 1

EXPERTISE AND
CAPITAL

to help your project succeed.

For 30 years we have provided expertise and capital to help projects succeed. We care about your mission, not just about our bottom line.


Who Borrows From FCLF?
  • Community based nonprofit organizations
  • Mission-focused for-profit entities
What kind of activities does FCLF Finance?

FCLF offers financing to nonprofit organizations or for-profit entities for community development projects in Florida’s low- and moderate-income neighborhoods. FCLF financing may be right for:

  • Affordable Housing
  • Supportive Housing
  • Community Facilities that offer social services

Meet Our Borrowers

Lofts on 6th

Lofts on 6th, developed by Green Mills Group, will provide affordable housing for seniors in Fort Lauderdale.

Bristol Manor

Bristol Manor, developed by Wendover Housing Partners, will provide affordable housing for seniors in Orange City.

Boys & Girls Clubs of Palm Beach County, West Palm Beach

Boys & Girls Clubs of Palm Beach County will expand their reach to low-income youth with a new club financed through FCLF and the NMTC program.
View more Success Stories

Our Loan Programs

FCLF provides capital and expertise to help projects succeed and improve low-income communities through its flexible financing programs.

We also offer technical assistance to our borrowers, either through our knowledgeable staff or outside technical experts.
Commercial loans for development of affordable housing, supportive housing, and community facilities offering social services.
Loans for construction or major renovation of real estate in distressed census tracts, with tax credits through the Federal NMTC program.

What Can Fclf Finance?

FCLF offers financing to nonprofit organizations or for-profit entities, for projects in Florida’s low- and moderate-income neighborhoods. FCLF community development financing or New Markets Tax Credit program may be right for these types of projects:

Housing

If you are a developer seeking financing and you are building, renovating, or rehabilitating affordable or supportive housing.

Community Facilities

If you are a developer seeking financing for new construction or renovation of a community facility that offers essential social services.

Development Services

What other services are available to help prepare me for FCLF financing?

FCLF offers strategic guidance through our Development Services to help you plan, finance, and succeed with your community impact project.
We Believe in Equity ribbon cutting image
Florida Community Loan Fund’s free workshops focus on relevant topics for partners, community developers, and potential borrowers. Led by professional subject leaders, these webinar sessions explore key components of the development project.
We Believe in Equity ribbon cutting image
Attending a workshop will provide you with an understanding of how to be ready to apply for financing from FCLF. The Capital Readiness Checklist prepares you to be in a strong position to speak with an FCLF Loan Officer about the next steps to apply for a loan.

FCLF Our Impact

OUR IMPACT

All FCLF-financed projects have a direct social impact on the low-income communities we serve.

APPLICATION PROCESS

Is your organization ready to apply for financing through Florida Community Loan Fund? See how, step by step, you can put FCLF financing to work in your community.
publications resources 2 2022

PUBLICATIONS AND RESOURCES

Need additional information? Here are PDF documents and links to affiliated organizations.

Hear From Our Partners

“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

“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 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

“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

“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

“FCLF does more than finance deals; they make true community investments."– Mandy Bartle, Executive Director

South Florida Community Land Trust

"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

"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

“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 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 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

"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.

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

Metropolitan Ministries

“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

"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

"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 …

“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 very focused on bringing financing to affordable housing. Stability in these households brings stability to the entire community." – Jonathan Wolf, President & Founder

Wendover Housing

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.

Sign Up for our Newsletter