Who Borrows from FCLF?

  • Community based nonprofit organizations
  • Mission-focused for-profit entities

What kind of activities does FCLF finance?

  • Affordable Housing
  • Supportive Housing
  • Community Facilities
  • Economic Development Projects
  • Food Access Projects
  • Environmentally Friendly, Green, and Sustainable Projects
Henrietta Townhomes

Meet Our Borrowers

Riviera Beach Housing Authority

Read this Success Story

Jessie Trice Community Health System

Read this Success Story

YMCA of South Florida

Read this Success Story

How Can FCLF Help You?

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.

  • Community Development Fund: Commercial loans for affordable housing, supportive housing, the development of community facilities and economic development projects.
  • Food Access Financing: Flexible financing for projects that provide greater access to fresh, healthy foods in low-income, underserved, food insecure communities.
  • New Markets Tax Credit Strategies: Loans for construction or major renovation of real estate in distressed census tracts, with tax credits through Federal NMTC program.
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What Can 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 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 social services.
  • Economic Development: If you are a developer seeking financing for a project that stimulates economic development, catalyzes the community, and creates jobs. May include New Markets Tax Credit (NMTC) financing.
  • Sustainability: If you are a developer seeking financing for an environmentally sustainable project that stimulates economic development in a low- to moderate-income area.

Our Impact

FCLF financing touches communities throughout Florida with high social impact. See how we have impacted your area.

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Application Process

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

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"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 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'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.

"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

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

Metropolitan Ministries

“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

"Without the FCLF initial loan to purchase land, we might not have been able to move forward with farmworker housing." – Peter Routsis-Arroyo, CEO, Catholic Charities, Diocese of Venice

Casa San Juan Bosco

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

Dignity Health

"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 partnership with FCLF allows us to build an attractive, state of the art facility that patients, staff, and community will be proud of." – Bakari Burns, President-CEO

Orange Blossom Family Health

"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 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

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

BBVA Compass

"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

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

Sister Mary Heyser, RSHM

"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

"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

"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 Videos

View video testimonials from FCLF partners.
  • Florida Community Loan Fund and Orange Blossom Family Health, Bringing Healthcare to FL Communities
  • Florida Community Loan Fund and R.E.A.C.H. Strengthening Communities in South Florida
  • Florida Community Loan Fund helped Boys & Girls Clubs of Manatee County with New Markets Tax Credits
  • FCLF and Operation New Hope, Restoring Jacksonville’s Springfield Community
  • FCLF and SW Florida Collaboratory, Bringing Stability to a Fort Myers Neighborhood
  • FCLF and CDC of Tampa, Stability in East Tampa Neighborhoods
  • FCLF and The Transition House: Building Blocks for U.S. Veterans
  • FCLF and Wendover Housing: Building Blocks for An Aging Population
  • FCLF and CFHC: Building Blocks for Low Income Healthcare
  • FCLF, Reflecting on the Past, Shaping the Future
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.