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

BBVA Compass

"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

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

Neighborhood Renaissance

"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

"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.

"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 will help us have significant ongoing impact in West Lakes as we help families set roots in this community.” – Camille Reynolds, Executive Director

Hannibal Square CLT

"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

"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

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

Metropolitan Ministries

“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

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

Sister Mary Heyser, RSHM

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


FCLF Videos

View video testimonials from FCLF partners.
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  • Florida Community Loan Fund & Ability Housing, Providing Affordable Homes to Florida's Communities
  • Florida Community Loan Fund and Orange Blossom Family Health, Bringing Healthcare to FL Communities
  • Florida Community Loan Fund and R.E.A.C.H. Strengthening Communities in South Florida
  • Florida Community Loan Fund helped Boys & Girls Clubs of Manatee County with New Markets Tax Credits
  • FCLF and Operation New Hope, Restoring Jacksonville’s Springfield Community
  • FCLF and SW Florida Collaboratory, Bringing Stability to a Fort Myers Neighborhood
  • FCLF and CDC of Tampa, Stability in East Tampa Neighborhoods
  • FCLF and The Transition House: Building Blocks for U.S. Veterans
  • FCLF and Wendover Housing: Building Blocks for An Aging Population
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.