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

AERIS 2018 430wClick 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, 2018.

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.

"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

“The partnership with FCLF is very exciting for us – an essential component in providing greater access to fresh healthy food in downtown New Port Richey.” – Jeff Wright, Owner

Wright's Natural Market

"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 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

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

Sabadell United Bank

"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 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.

"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.

"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

"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 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 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

"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

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

BBVA Compass

"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

"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.

Our Partners

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