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

Joyce's Mini Market and Deli

Read this Success Story

Sweetwater Organic Community Farm

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

Sister Mary Heyser, RSHM

“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

"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

“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

Overtown Youth Center

“Thanks to FCLF adults with disabilities are living independently, fully included in their community." – Sheryl Soukup, Exec Dir

Residential Options of Florida

"FCLF understood our context, embraced the project vision, and were willing to make an investment that others deemed as too risky." – Lynn Brockwell-Carey, Executive Director

Brevard Neighborhood Development Coaliti…

"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 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

"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

"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

"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.

“FCLF will help us have significant ongoing impact in West Lakes as we help families set roots in this community.” – Camille Reynolds, Executive Director

Hannibal Square CLT

"Cade Museum is proud to be partners with FCLF and JPMorgan Chase. Thanks to the NMTC Program, we will provide a transformative asset to our community." – Jennifer Denault, COO

Cade Museum for Creativity & Inventi…

"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

"When nobody else would take a chance on us, FCLF did. Woodlawn is thriving today and we will always be grateful for your part in that.." – PeterTollefson, Dean of Students

Woodlawn Community Academy

"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

"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

"FCLF staff shares our vision and commitment to serve needy families and provide a high quality education to all children." – Thomas Cole, Founder

Emma Jewel Charter Academy

“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

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.