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

Community Enterprise Investments, Inc.

Read this Success Story

H.O.M.E.S., Inc.

Read this Success Story

Common Ground CDC

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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"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

"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

"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

"Our partnership with FCLF helps the American Dream of homeownership come true." – Michael Roberts, Exec Dir

R.E.A.C.H.

"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 made it possible for us to provide many special needs and low-income students with the educational services that they need." – Charlotte Tollefson, Director & Founder

Woodlawn Community 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

"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

"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

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

Dignity Health

"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 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

"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…

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

Sister Mary Heyser, RSHM

"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…

"Without FCLF's support, we would not have been able to deliver the services our area so desperately needs. We look forward to a lifetime relationship." – Tom Griffin, CEO

The Transition House, Inc.

"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 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

"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 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

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
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.