FCLF was founded in 1994 to provide a statewide source of flexible financing for non-profits 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 over 20 years.

FCLF founder and supportive housing residents, FloridaOur founders, such as Sister Mary Heyser and many others, 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.

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.

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.

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.

FCLF currently has a wide range of investors and supporters, including both federal and state government, leading national foundations, religious communities and orders of faith, corporations, and nearly all leading Florida financial institutions.

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.

 newhopecorps-resident-300x200FCLF provides capital to low-income communities throughout Florida through its financing programs:

Still have questions? Visit our FAQ page for investors, or contact our office.

Components of Capital

FCLF Components of Capital 2018 06 30 250w

Cumulative Financing

FCLF Cum Financing 2018 250w

"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

"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

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

JPMorgan Chase Foundation

"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

"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

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

Metropolitan Ministries

"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

"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 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 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

"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

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

Sabadell United Bank

"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 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

"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 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.

"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.

"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

Our Partners

ASPIRA of Florida Aspirantes
ASPIRA of Florida offers education & mentoring with a focus on low-income and Latino students.
ASPIRA of Florida and FCLF
FCLF CEO and one of our supporters visit the ASPIRA Arts Deco school.
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.
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.
FCLF at Florida Housing Conference
FCLF staff are active at statewide conferences and events.
Million Meals 2012
FCLF staff and supporters volunteer at Million Meals event.
Emma Jewel Charter Academy
Nutritious snacks are a part of the healthy focused curriculum at Emma Jewel Charter Academy.
Neighbor Up and FCLF
FCLF Chief Lending Officer visits with the Executive Director of Neighbor Up (formerly BNDC)
FCLF and Florida Housing Coalition
FCLF representatives are ready to talk about your project success.
MTZ Carver Construction
FCLF projects create jobs and stimulate development in low-income communities.
FCLF and Rep. Webster
Rep. Daniel Webster visited FCLF staff.
FCLF Board and Staff
FCLF Board Members represent our investors, borrowers, and technical experts.
TD Charitable Foundation, TD Bank
TD Charitable Foundation and TD Bank have supported FCLF's mission since 2006.
duPont Fund and FCLF
The duPont Fund used FCLF and NMTC Financing to revitalize downtown Jacksonville.
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.
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.
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.
BNDC Greater Heights
Greater Heights offers new, safe, affordable rental homes in what was formerly a high crime area.
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.