FLORIDA COMMUNITY LOAN FUND
AERIS RATING: star blackstar blackstar black AA Policy Plus

AERIS Rated 3 stars AA policy plusClick here to view our Aeris Rating Certificate and explanations of the ratings, which shows our Rating of 3 Star AA Policy Plus as of June 30, 2017.

Florida Community Loan Fund has maintained a rating of  star bluestar bluestar blue AA Policy Plus in our most recent Aeris assessment and review.

  • Impact: 3 Stars star bluestar bluestar blue . FCLF has clear alignment of mission, strategies, activites, and data that guide our programs and planning.
  • Financial: AA. FCLF has very strong financial strength, performance, and risk management practices relative to our size, complexity, and risk profile.
  • Policy Plus: is a confirmation that policy change is an integral part of our strategies. FCLF leads initiatives to change government policy that benefits disadvantaged people and communities.

FCLF was one of the first groups to receive an Aeris rating back in 2004, and we were an early adopter of Aeris' new annual rating process that was launched in 2016. The rating reflects our commitment to providing reliable, flexible funding to socially responsible community developers in support of affordable housing and essential community services.

Aeris is an information service for community investors who are committed to strengthening economic resilience in underserved markets. This comprehensive, 3rd party assessment of Community Development Financial Institutions (CDFIs) underscores FCLF's solid social impact performance and financial strength. The assessment is based on 5 years of historical performance, and the in-depth, on-site examination of our organization included: 

  • a comprehensive analysis of financial and programmatic information
  • an extensive review of loan files and risk management systems
  • in-depth interviews with management and board members

Aeris provides these ratings as well as other data to their subscribers. More information on Aeris and the CDFI Rating System is available at www.aerisinsight.com. Subscribers may access the full report on FCLF and other rated CDFIs through the Aeris website.

"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 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 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

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

Metropolitan Ministries

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

R.E.A.C.H.

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

Dignity Health

"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.

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

Sister Mary Heyser, RSHM

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

Allegany Franciscan Ministries

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

JPMorgan Chase Foundation

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

Neighborhood Renaissance

"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

"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

"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

“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

"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…

"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

"Our partnership with FCLF allows us to build an attractive, state of the art facility that patients, staff, and community will be proud of." – Bakari Burns, President-CEO

Orange Blossom Family Health

Our Partners

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