Paycheck Protection Program: Florida Nonprofits Can Apply Through FCLF

24 April 2020
Please note: July 31, 2020, is the last date to apply for PPP through Florida Community Loan Fund.

The Small Business Administration’s Paycheck Protection Program (PPP) provides potentially forgivable loans for nonprofits with 500 or fewer employees.

We are pleased to announce that Florida Community Loan Fund (FCLF) is partnering with the Community Reinvestment Fund, USA (CRF) with the capacity to bring up to $10 million in PPP loans to Florida nonprofit organizations. This partnership brings together FCLF’s knowledge and experience with lending to Florida nonprofits, and CRF's experience as an SBA-qualified lender.

Florida nonprofit organizations can now apply for an SBA Paycheck Protection Program loan through FCLF’s nonprofit SBA lending partner, CRF. Important to note:

  • You do not need to be an existing FCLF borrower to apply (spread the word!)
  • Loan applications of any size are welcome
  • We serve the entire state and our program is open to any nonprofit organization based in Florida.

If you have already submitted an application with another financial institution, you cannot apply with FCLF/CRF (or anyone else). If multiple applications are submitted, your organization could be disqualified. However, you may be able to find other financial resources for your nonprofit; check FCLF’s COVID-19 Resources for Florida Nonprofits and Small Businesses.

FCLF’s core purpose is to maximize opportunities for people and places outside the economic mainstream. Since our beginning FCLF has supported the nonprofit sector, and we are working with CRF to make sure that nonprofits can access this unique federal program. We are committed to making sure our nonprofit partners understand the requirements of the PPP and are ready to apply.

Document Guide & FAQs

The last round of PPP funding was exhausted in less than 2 weeks, and we anticipate demand will remain high. We encourage Florida nonprofits to contact FCLF using the Intake Form below and start an application as quickly as possible.

Frequently Asked Questions. Fiscal Management Associates, a nationally known consulting firm specializing in helping nonprofits build their fiscal management capacity, has published a helpful Frequently Asked Questions document to guide you as you prepare to apply for the Paycheck Protection Program. The U.S. Senate Committee on Small Business & Entrepreneurship has also created this Small Business Guide.

Document Guide. FCLF is here to coach you through the process. We recommend gathering the following documents and information:

  • Most recent tax filings
  • Color copies of Executive Director driver’s license (front and back) and social security number. If no executive director, use Board chairperson
  • Articles of incorporation
  • Organization bylaws
  • Most recent income and expense statement
  • Payroll documentation:
    • Bank statement proving payroll – in Excel or other software, please use a simple monthly payroll average x2.5 to help underwriters validate loan request
    • Employee pay stubs (from ADP or other software)
    • IRS Form 1099 – This is the form you fill out if you are hiring any temporary or subcontracted help (Non-employee compensation paid)
    • IRS Form 940 & 941 – This is the form(s) you use to calculate payroll taxes. 940 is for a whole year and 941 is per quarter. If possible, please provide all four quarters of 941, especially if you have seasonal employees/expenses. This is the most preferred documentation.
    • Any employee salaries if they’re living abroad (they will not qualify for PPP)
    • Payroll info must be for 4 quarters, but can be either all 4 quarters of 2019 or the last 4 quarters (the first of 2020 and the last three of 2019)
  • Any other supporting documentation such as mortgage statements, proof of rent, utilities or other business expense (not to exceed 25% of your request)
  • Other financial documents to help support your request (it is better to overshare to support your loan request)
Intake Form: Tell Us You’re Interested in PPP through FCLF
Please note: July 31, 2020, is the last date to apply for PPP through Florida Community Loan Fund. 

The first step is to submit this form, and then someone from our dedicated PPP staff will be in touch with you within 24 hours. FCLF is here to answer your questions about the program and coach you through the process to ensure your application is complete. We are committed to making sure the nonprofit sector in Florida can continue operations, provide essential social services, and meet the needs of our communities and residents.

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Florida Community Loan Fund is an equal opportunity provider. 

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.