FCLF finances affordable housing in FloridaWe can tailor an investment in FCLF to meet your organization’s needs. FCLF’s business model relies on a combination of various forms of investments, as well as grants. Here are our most popular types of support and investments. 

Grants. Capital Grants allow FCLF to leverage other forms of capital on a 1:4 ratio. Operating Support Grants support FCLF’s operating expenses, both lending and administrative.

Equity Equivalent (EQ2) Investments are a hybrid of debt and capital grants. EQ2 Investments are long-term renewable subordinated debt with equity-like features, generally carrying a minimum term of 10 years.

Debt Capital Investments are loans to FCLF that pay interest to the investor, and can take one of two forms. Term investments pay interest annually over a specific time period, usually 5 or more years, often with options for renewal. Lines of Credit have a specific maturity date, with capital available on an as-needed basis.

Program Related Investments. Foundations may want this type of investment to support FCLF activities that match their philanthropic mission. PRI’s are long-term, low-interest rate investments, often with an option for renewal.

kipp-exterior-300x200Loan Participation Agreements. Investors purchase a portion of FCLF’s loan portfolio based on shared mission and interest. Investors and FCLF both participate in the risk and return of a specific loan or loans.

New Markets Tax Credits provide private institutional investors the opportunity to invest debt and/or equity in qualified projects. Financial returns for New Markets Tax Credits investments will vary by project, but will generally be higher than those of other investment types.

Still have questions? Visit our FAQ Page for Investors, or Contact Us. You can also call our office at 407.246.0846 and ask to speak with our Development Officer.

 

Note on Regulatory Treatment: Bank investments in FCLF have received continuing credit under the investment test for as long as the loan remains outstanding. Because the this type of support increases FCLF’s lending capacity it may also qualify under the Community Development Lending Test.

Components of Capital

FCLF Components of Capital 2018 06 30 250w

Cumulative Financing

FCLF Cum Financing 2018 250w

"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

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

Dignity Health

"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 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

"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

“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

"Our relationship with FCLF provides the capital to achieve long-lasting impact." – Terri Murray, Exec Dir

Neighborhood Renaissance

"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 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…

"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

"I appreciate FCLF for lending in rural areas, where many other lenders are exiting. From the first moment we spoke with FCLF staff, we felt we had a partner." – Jamie Kerr, President, AMCS Dev.

Griffin Heights

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

BBVA Compass

"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.

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

Sister Mary Heyser, RSHM

"We appreciate the accomplishments your organization attains." - Robert Sucher, Executive VP

Sabadell United Bank

"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

"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'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 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

Our Partners

Mathis Place Resident
Residents at Neighborhood Renaissance's Mathis Place enjoy affordable rent.
MTZ Carver Construction
FCLF projects create jobs and stimulate development in low-income communities.
FCLF Board and Staff
FCLF Board Members represent our investors, borrowers, and technical experts.
Haley Park Construction
FCLF projects create jobs and stimulate development in low-income communities.
Housing Programs, Inc.
FCLF financing to Housing Programs, Inc. helps provide affordable homes for ownership.
FCLF at Florida Housing Conference
FCLF staff are active at statewide conferences and events.
Valley Bank
Support from Valley Bank helps FCLF build strong communities.
DuPuis Pointe Miami
DuPuis Pointe offers affordable, hurricane proof homes in Miami.
TD Charitable Foundation, TD Bank
TD Charitable Foundation and TD Bank have supported FCLF's mission since 2006.
ASPIRA of Florida Aspirantes
ASPIRA of Florida offers education & mentoring with a focus on low-income and Latino students.
TD Bank Charitable Foundation
Support from TD Bank Charitable Foundation helps FCLF build strong communities.
Emma Jewel Academy and FCLF
Emma Jewel Charter Academy offers education for the whole child in Brevard County.
Emma Jewel Charter Academy
Nutritious snacks are a part of the healthy focused curriculum at Emma Jewel Charter Academy.
duPont Fund and FCLF
The duPont Fund used FCLF and NMTC Financing to revitalize downtown Jacksonville.
RCRI Conference 2012
The RCRI Conference allows FCLF staff to touch base with our religious supporters.
FLACDC Conference
FCLF Staff meet and greet friends at an FLACDC event.
Metro Min Grand Opening
FCLF staff with local supporters at Metropolitan Ministries Tampa.
Boys & Girls Clubs of Manatee
FCLF staff and US Legislative staff at an event honoring Youth of the Year.
Casa San Juan Bosco and FCLF
New rental homes are available for farmworker families at Casa San Juan Bosco.
FCLF and Rep. Webster
Rep. Daniel Webster visited FCLF staff.
FCLF and Florida Housing Coalition
FCLF representatives are ready to talk about your project success.
Boys & Girls Clubs of Manatee
FCLF and NMTC are creating a new facility for the Boys & Girls Clubs of Manatee County
FCLF at Florida Housing Conference
FCLF Staff are on hand at conferences and events to discuss our programs.
Axiom Bank
Support from Axiom Bank helps FCLF build strong communities.
ASPIRA of Florida and FCLF
FCLF CEO and one of our supporters visit the ASPIRA Arts Deco school.
Northern Trust Roundtable
FCLF supporter, the Northern Trust Company, hosted a housing roundtable in Sarasota.
Neighbor Up and FCLF
FCLF Chief Lending Officer visits with the Executive Director of Neighbor Up (formerly BNDC)
KIPP Jacksonville
Rep. Ander Crenshaw visited KIPP Jacksonville School
Greater Heights Resident
FCLF Financing to Neighbor Up Brevard helps provide affordable rental housing.
Million Meals 2012
FCLF staff and supporters volunteer at Million Meals event.
BNDC Greater Heights
Greater Heights offers new, safe, affordable rental homes in what was formerly a high crime area.
Neighbor Up, Affordable Housing
Neighbor Up, formerly BNDC, offers affordable housing in Brevard County.
Armature Works
FCLF and the NMTC Program renovated a historic building into a small business incubaor.
Casa San Juan Bosco and FCLF
Catholic Charities, Diocese of Venice, financed the land for farmworker rental housing with FCLF.
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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.