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

"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

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

R.E.A.C.H.

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

Neighborhood Renaissance

"Without the FCLF initial loan to purchase land, we might not have been able to move forward with farmworker housing." – Peter Routsis-Arroyo, CEO, Catholic Charities, Diocese of Venice

Casa San Juan Bosco

“We cannot thank FCLF enough for this partnership, creating permanent housing for our neighbors in need, and their commitment to Florida communities.” – Shannon Nazworth, President & CEO

Ability Housing

"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

"We couldn’t have pulled this project together without FCLF as partners. This is the start of great work in Jacksonville’s historic Springfield district." – Kevin Gay, Exec. Director

Operation New Hope

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

Sabadell United Bank

"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

"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 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

"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

"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 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

"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.

"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

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

BBVA Compass

"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 are delighted to partner with you to serve those most in need in our communities." – Eileen S. Coogan, President & CEO

Allegany Franciscan Ministries

Our Partners

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