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Our partnerships and collaborations, along with a strong social conscience and a clear focus on performance, have allowed FCLF to thrive.


FCLF was founded in 1994 to provide a statewide source of flexible financing for nonprofits and mission-focused for-profits that work in community development. A strong social conscience, a commitment to excellence, statewide partnerships and collaborations, accountability to its stakeholders, and a clear focus on performance have allowed FCLF to thrive for more than 25 years. By making an investment in Florida Community Loan Fund, you can join with other organizations and individuals to support community development in low-income communities throughout Florida.
Borrower Showcase 2022

YOUR INVESTMENT MAKES A DIFFERENCE

Our founders called upon financial institutions, religious communities, individuals, and many other supporters to provide capital for the first loan that was made in 1996. Today, FCLF receives support or investments from many different sources: financial institutions, religious organizations, foundations, and individuals, for example.

Socially Responsible. Your investment in FCLF is a socially responsible investment, as our lending directly benefits low-income and economically distressed communities all over Florida, directly benefiting children and families, seniors, homeless, and a wide range of special needs populations. Environmentally friendly and Green building is encouraged in all of our loans.

Stable and Secure. Your investment in FCLF is stable and secure. If you choose to arrange an interest-bearing investment, you will receive interest payments annually. We have many types of investments available.

Financially Sound. Your investment in FCLF is financially sound. FCLF has consistently produced positive financial results, with a strong net asset position and high self-sufficiency ratios.

Wide Range of Investors and Supporters. FCLF currently has a wide range of investors and supporters from across the U.S., including both federal and state government, leading national foundations, religious communities and orders of faith, corporations, and nearly all leading Florida financial institutions.

Aeris Rated. FCLF is Aeris rated, providing transparency and confidence for our investors. FCLF has undergone the Aeris rating review system as a member of the Opportunity Finance Network.

Impact in Low-Income Communities. FCLF provides capital to low-income communities throughout Florida through its financing programs:

ROOF Resident

WE CAN TAILOR AN INVESTMENT TO MEET YOUR NEEDS

Thanks to the assistance of our many investors and supporters, FCLF is able to finance a wide range of community, social and economic development projects that improve the lives of Floridians and create jobs. 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.

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.

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. PRIs are long-term, low-interest rate investments, often with an option for renewal.

Loan 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.

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 FAQs for Investors, or Contact Us. You can also call our office at 407.246.0846 and ask to speak with our Development Officer.

Ready to take the next step to become an investor or supporter?

You will be part of creating sound economic opportunities and essential social services in low-wealth communities near where you live and work across the state. For details on an investment in FCLF, call our office at 407.246.0846 and ask for our Development Officer, or Contact Us.


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 this type of support increases FCLF’s lending capacity it may also qualify under the Community Development Lending Test.

Hear From Our Partners

"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 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

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

Sister Mary Heyser, RSHM

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

BBVA Compass

"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

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

PNC Bank

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

JPMorgan Chase Foundation

"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

"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 provides stability for families, strengthens the region, and helps Truist fulfill our purpose to inspire and build better lives and communities." – Sandy Hostetter, Central Florida Region P

Truist

"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 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 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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