Neighb Ren Art Lofts ribbon1FCLF exists to maximize opportunities for people and places outside of the economic mainstream.

FCLF's mission is to offer expertise and capital to help make projects successful and help organizations improve lives and communities. Our goal is to help organizations build, acquire and rehab projects – ultimately, to help people and build strong communities. We believe a community is defined by its components: housing, schools, healthcare, grocery stores, local businesses. Our loans help stabilize communities by providing resources to help local non-profit and mission-based for-profit organizations succeed and achieve their missions.

For more than 20 years FCLF has strengthened Florida communities by being a leader in providing flexible capital and staff expertise.   

Here are some of the ways we have touched lives and communities through our financing programs. 

As of June 30, 2019, FCLF has achieved...

$407 million in total financing into projects totaling $1.12 billion in project costs, through
331 loans through its community development lending, and
25 transactions through the New Markets Tax Credit Program.

FCLF Cumulative Financing through 2019

Our borrowers provide affordable housing, for sale and rent, to households that meet low-income criteria. As of June 30, 2019, FCLF has financed 5,966 affordable housing units.

FCLF Our Impact 2019, housing
Supportive housing is financed through FCLF for low-income residents who are at-risk or have special needs. This type of housing typically provides social services on site. FCLF financing has provided 1,426 supportive housing units.
 
FCLF also finances community facilities that serve low-income families and neighborhoods. These include healthcare, education, food access, and other social service facilities. As of June 30, 2019, FCLF has financed or provided NMTC for 151 community facilities, totaling 2.2 million square feet.
 
FCLF Our Impact 2019, facilities
 
When a project obtains financing through FCLF, jobs are provided either as newly created jobs or retained jobs that may have been eliminated had the project not proceeded. Through June 30, 2019, FCLF projects created or retained 11,157 temporary construction jobs and 4,024 permanent jobs.
 
FCLF Our Impact 2019, jobs created or retained
 
Projects financed through FCLF and our NMTC program also provide essential services to an estimated 429,158 Floridians each year.
 
FCLF Our Impact, Floridians reached

In addition to these measurable impacts, FCLF advocacy work aims to improve public policies that:

  • affect the operating environment in which our borrowers work,
  • create opportunities for increasing the capacity for non-profit developers, and
  • promote transparent accountable strategies for increasing the flow of capital for community and economic development in low- and moderate-income communities.

Our efforts include educating state and federal elected officials on the role of Community Development Financial Institutions (CDFIs) as important intermediary institutions with the capacity to leverage state and federal dollars to achieve greater impact.

To read more about organizations we have financed, we invite you to Meet Our Borrowers. Our Impact report also has more information on our financing throughout Florida.


Here is a snapshot of FCLF's Components of Capital at June 30, 2019:

FCLF Components of Capital 2019


 Here is a snapshot of FCLF's Impact throughout Florida as of June 30, 2019. You can download the full Our Impact brochure from our Downloads page.

FCLF Our Impact 2019 cover

 

 

 

"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

"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 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.

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

JPMorgan Chase Foundation

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

R.E.A.C.H.

"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

"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

"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

"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.

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

Sabadell United Bank

"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

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

BBVA Compass

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

Neighborhood Renaissance

"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 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.

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

Sister Mary Heyser, RSHM

“Thanks to FCLF adults with disabilities are living independently, fully included in their community." – Sheryl Soukup, Exec Dir

Residential Options of Florida

"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

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Our Partners

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