NR Mathis Pl Palm 300x200 “HSBC Bank is committed to community development and seeks to partner with impactful organizations that understand the needs of their communities and consistently deliver strong results – both in terms of social outcomes and financial performance. We are thrilled to be working with Florida Community Loan Fund and supporting their work, specifically in the South Florida market. Florida Community Loan Fund has a keen knowledge of the challenges and opportunities in this region and we are confident that HSBC's capital will be used to develop important projects that will improve the lives of low-income people." – Kathleen Rizzo Young, Senior Vice President, Community Development, HSBC Bank USA, N.A.

 

Florida Community Loan Fund has a wide range of investors and supporters, including HSBC Bank USA, N.A.. Thanks to our network of stakeholders, FCLF is able to provide financing for high-impact projects that improve Florida’s communities.

HSBC Bank USA, N.A. (HSBC Bank) helps revitalize communities through partnerships with community groups, signature products and services that meet local credit needs, and the provision of accessible and convenient banking services. HSBC employees also play a significant role in community development, by contributing time and expertise to make communities better places to live and work.


Information from HSBC’s website, www.us.hsbc.com, gives an overview of their work in Community Development:

Loans and Investments. HSBC Bank makes loans to and equity investments in community-based organizations – such as community development financial institutions, community development corporations, and national intermediaries – engaged in:

· affordable housing development
· economic development
· activities and services targeting low and moderate-income individuals and communities

Service. HSBC's Community Development Department is a dedicated unit in HSBC Bank USA that focuses on CRA performance, managing the resources that help put community reinvestment to work on a daily basis. Our goal is not merely to meet these requirements but exceed them, since providing these services is not only good business, it is also the right thing to do.

HSBC Bank's community development officers are located in all major areas of the bank's footprint, and work closely with community organizations within those areas to ensure responsiveness to community credit needs. The staff of the HSBC Community Development Department conducts outreach and provides technical assistance to community groups. Community Development officers also engage in a wide range of service activities, such as serving on organization boards and loan committees, providing educational seminars and sponsoring community events and activities.

And from the Corporate Sustainability portion of the HSBC Website:

We value a culture of dependability, doing the right thing, being open to different ideas and cultures and being connected to our customers, communities, regulators and each other. These values and principles are embodied by our employees and extend beyond our walls. They drive our organization's commitment to giving back to the communities we serve.

We recognize the responsibility our company and our people have in contributing to a thriving, successful society. To fulfill this responsibility, we seek out initiatives that, through our community investments, will make a difference in people's lives.

Components of Capital

FCLF Components of Capital June 30 2019

Cumulative Financing

FCLF Cumulative Financing June 30 2019

"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

“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

"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

“Thanks to FCLF we’re able to provide brand-new safe, affordable homes for 90 families in a sustainable mixed-use, mixed-income community." – Mitchell Rosenstein, Founder & Principal

Green Mills Group

"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

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

JPMorgan Chase Foundation

"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

"When nobody else would take a chance on us, FCLF did. Woodlawn is thriving today and we will always be grateful for your part in that.." – PeterTollefson, Dean of Students

Woodlawn Community Academy

"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.

"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

"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

"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.

"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 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 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

"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 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

"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.

Our Partners

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