BBIF Florida

$2.1 million FCLF financing
Acquisition, renovation and term loan
9,918 sq ft commercial and office space

“We’ve had a long positive partnership of collaboration with FCLF to bring much needed services to the underserved of Florida." – Inez Long, President/CEO, BBIF Florida

BBIF Florida strives to be the pulse-keeper on the needs of black, minority, and underserved small businesses throughout the State of Florida. Founded in 1987 as the Black Business Investment Fund, the organization provides loans and services statewide in Florida. Through 2019, BBIF has provided over $49.1 million in loan capital through 451 loans, creating 13,381 jobs.

In addition to direct financing, BBIF provides Financial Technical Assistance (TA) services to small and minority businesses, utilizing several approaches to assist business owners in strengthening their management skills and capacity.

BBIF’s technical assistance (TA) training is ongoing and the goal is for business owners to obtain the education and knowledge needed to grow their businesses in today’s very competitive business market. The TA program consists of training via monthly business owners’ roundtables and one-on-one sessions, where the business is assessed and short- and long-term goals are established. The training team consists of area professionals and BBIF’s staff who deliver this specialized, intense training – free of charge.

With financing from Florida Community Loan Fund, BBIF purchased and is renovating a 9,918 sq-ft building in Orlando that is partially occupied by Orange County Florida’s Division of Housing and Community Development offices. The remaining available space, just over 2,000 square feet, is undergoing renovation and BBIF will utilize it to expand its TA program. 

Black businesses and black women entrepreneurs are the largest growing segment of all small business owners nationwide. Over the last 3 years there has been a tremendous demand in BBIF’s products and services from black female business owners. Surveys and research have shown that these women typically have a job and stable income, but often have a side business as well.

BBIF Florida is certified by or has affiliation with the U.S. Department of the Treasury, CDFI Fund, U.S. Small Business Administration (SBA), Federal Deposit Insurance Corporation (FDIC), U.S. Department of Transportation (DOT), Opportunity Finance Network (OFN) and National Community Reinvestment Coalition (NCRC).

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

Sister Mary Heyser, RSHM

"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


“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

"Thank you to our friends at FCLF. Your staff has been patient and helpful. We'll make you proud!" – Bill Lazar, Executive Director

St. Johns Housing Partnership

"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

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

Sabadell United Bank

"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

"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

"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 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


"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

"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 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 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

“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

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


"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

"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

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    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.
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