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SUCCESSFUL
OUTCOMES

through $825 million in financing.

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Through Capital and Expertise

We Drive Positive Economic and Social Change

At FCLF we are dedicated to improving lives and communities. Our financing meets the needs of nonprofit organizations and mission-based for-profit companies that develop affordable housing, supportive housing, community facilities, and economic development projects. Every loan we make brings high social impact to its community.

We care about your mission, not just our bottom line.

FCLF is an Equal Opportunity Provider

In accordance with federal law and U.S. Department of the Treasury policy, this institution is prohibited from discriminating on the basis of race, color, national origin, sex, age, or disability. Submit a complaint of discrimination, by mail to U.S. Department of the Treasury, Office of Civil Rights and Equal Employment Opportunity, 1500 Pennsylvania Ave. N.W., Washington, D.C. 20220, 202.622.1160 (phone), 202.622.0367 (fax), or email crcomplaints@treasury.gov (email). To request an accommodation for a disability please contact us at 407.246.0846 or info@fclf.org.

It is the policy of Florida Community Loan Fund not to discriminate against any person who is Limited English Proficient (LEP). FCLF staff will provide equitable access to LEP persons and entities seeking affordable capital for community development projects. In accordance with Title VI of the Civil Rights Act of 1964 and Executive Order 13166, FCLF will take all reasonable steps to provide LEP persons meaningful access to program information upon request and provide language assistance services available free of charge.

Publications and Resources

Resources And Partner Links

Contact Us

FCLF serves Florida from a main office in Orlando and a system of field offices throughout the state.

MAIN OFFICE

800 N. Magnolia Avenue, Suite 106
Orlando, FL 32803
407.246.0846 phone
407.246.0856 fax
Or send us an email: info@fclf.org

FIELD OFFICES

  • Tampa Area  
  • Fort Lauderdale Area 

CONTACT US

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FCLF is a nonprofit lending institution providing financing to developers for construction or renovation of affordable housing and community facilities in low-income areas. We are not able to provide loans or other funding directly to indivduals. We do not operate or manage any homebuyer education programs. For more information on availability of affordable housing in Florida visit www.floridahousing.org.

FCLF Board and Committees

Board of Directors

Chair. Tina Brown, CEO, Overtown Youth Center. read bio

Vice Chair. Dr. Germaine Smith-Baugh, President and CEO, Urban League of Broward County. read bio

Treasurer. Alecia Dillon, CFO, Health Foundation of South Florida. read bio

Secretary. Victor Rivera, Vice President of Lending, Civic Builders. read bio

Immediate Past Chair. Claire Raley. read bio

At Large:

Alfred Arzuaga, President, Orlando Neighborhood Improvement Corp. read bio

Lauren Butler, SVP, Purpose Driven Impact Financing Initiative Relationship Manager, Truist. read bio

Ernest Coney, Jr., Chief Executive Officer, CDC of Tampa. read bio

Annie Neasman, Retired President & CEO, Jessie Trice Community Health System. read bio

David R. Punzak, Esquire. read bio

John Talmage, Director, Lee County Economic Development. read bio

Lending Committee

David R. Punzak, Esquire, Chair
Annie Neasman, Vice Chair, President & CEO, Jessie Trice Community Health System
Ignacio Esteban, CEO, Florida Community Loan Fund
Tina Forcier, CEO, Habitat for Humanity of Hillsborough County
Tammy Haylock-Moore, Managing Director, Commercial Bank, Chase Bank
Cheryl Howell, Affordable Housing Director, Hillsborough County
Jack Humburg, Chief Operating Officer, Boley Centers, Inc.
Ashon Nesbitt, Chief Executive Officer, Florida Housing Coalition
Brian Weaver, Partner, Stinson LLP

Finance Committee

Alecia Dillon, Chair, CFO, Health Foundation of South Florida.
Tina Brown, CEO, Overtown Youth Center
Jose Luis de la Rosa, Multifamily Credit Risk Manager, Fannie Mae
Claire Raley, FCLF Immediate Past Chair
Ed Timberlake, Retired

NMTC Advisory Board

Alfred Arzuaga, Chair, President, Orlando Neighborhood Improvement Corp.
Lynn Brockwell-Carey
Gwendolyn Dawson, CEO, Ocala Housing Authority
Patrick McNamara, President & CEO, Palm Healthcare Foundation
Dawn Stanhope, President & CEO, Boys & Girls Clubs of Manatee County

Our Impact

STATEWIDE IMPACT

$825 million in total financing
$2.38 billion in total project costs
480 community development loans +
41 NMTC transactions
Cumulative Financing
FCLF Our Impact
  1. Our Founding Story OLD
  2. A Life of Service
about us pic

ABOUT FCLF

Learn about our Core Purpose, Vision, Mission, and how FCLF brings impact to Florida communities.
Allapattah Collaborative CDC is building affordable housing and retail space for local businesses with financing from FCLF.

Success Stories

Allapattah Collaborative CDC
Trinity Village, developed by Green Mills Group, provides affordable housing in Haines City.

Success Stories

Trinity Village
Community of Hope provides housing and services for families in Brevard County.

Success Stories

Community of Hope
FCLF 2024 Annual Report image

FCLF STRATEGY

FCLF is pleased to present our Strategy for fiscal years 2026-2028.

Our Impact

$825 Million
financed
9,054
housing units
197
community facilities
28,539
jobs created or retained
2,650,368
Floridians reached annually with services

Borrow from FCLF

Borrower Showcase 2022

Put our expertise and capital to work to help your project succeed.

Who Borrows From FCLF?
  • Community based nonprofit organizations
  • Mission-focused for-profit entities
What Can FCLF Finance?

Community development projects in Florida’s low- and moderate-income neighborhoods. For example,

  • Housing
  • Community Facilities
  • Economic Development

Invest in FCLF

Invest in FCLF, yellow house

Every investment brings high-impact results to Florida’s communities.

Why Invest in FCLF?

Your support, through an investment or a donation, is a socially responsible investment that delivers capital to where it is most needed.

  • Tangible results: schools, affordable homes, housing providing social services to those with special needs, child care and healthcare facilities.
  • Tailored investment to meet your needs
  • Your investment is stable, secure, and financially sound.
Who Invests in FCLF?

Our wide range of investors and supporters comes from across the U.S.

  • Nearly all leading Florida financial institutions,
  • Religious communities and orders of faith,
  • Federal and state government,
  • Leading national foundations, nonprofits, and corporations.

Hear From Our Partners

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"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

Partnering with FCLF allows PNC to help build strong communities. - Aileen Pruitt, Florida Market Manager, PNC Community Development Banking

PNC Bank

"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

"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

"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

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

Metropolitan Ministries

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

South Florida Community Land Trust

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

BBVA Compass

"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

“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

“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

“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

"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

“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 admire your passion for improving our nation’s communities. We hope that together we can continue closing the gap between people and opportunities." – Zack Boyers, Chairman & CEO

US Bancorp CDC

“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

"We commend the important work of your organization, are glad to support its efforts." – Beverly Dabney

JPMorgan Chase Foundation

“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

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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Florida Community Loan Fund
Main Office
800 N Magnolia Ave., Suite 106
Orlando, FL 32803

Serving Florida from offices in
Orlando
Tampa
Fort Lauderdale
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