FCLF was founded in 1994 to provide a statewide source of flexible financing for non-profits and mission-focused for-profits that work in community development. A strong social conscience, a commitment to excellence, statewide partnerships and collaborations, accountability to its stakeholders, and a clear focus on performance have allowed FCLF to thrive for over 20 years.

FCLF founder and supportive housing residents, FloridaOur founders, such as Sister Mary Heyser and many others, called upon financial institutions, religious communities, individuals, and many other supporters to provide capital for the first loan that was made in 1996. Today, FCLF receives support or investments from many different sources: financial institutions, religious organizations, foundations, and individuals, for example.

Your investment in FCLF is a socially responsible investment, as our lending directly benefits low-income and economically distressed communities all over Florida, directly benefiting children and families, seniors, homeless, and a wide range of special needs populations. Environmentally friendly and Green building is encouraged in all of our loans.

Your investment in FCLF is stable and secure. If you choose to arrange an interest-bearing investment, you will receive interest payments annually. We have many types of investments  available.

Your investment in FCLF is financially sound. FCLF has consistently produced positive financial results, with a strong net asset position and high self-sufficiency ratios.

FCLF currently has a wide range of investors and supporters from across the U.S., including both federal and state government, leading national foundations, religious communities and orders of faith, corporations, and nearly all leading Florida financial institutions.

FCLF is Aeris® rated, providing transparency and confidence for our investors. FCLF has undergone the Aeris® rating review system as a member of the Opportunity Finance Network.

 newhopecorps-resident-300x200FCLF provides capital to low-income communities throughout Florida through its financing programs:

Still have questions? Visit our FAQ page for investors, or contact our office.

Components of Capital

FCLF Components of Capital June 30 2019

Cumulative Financing

FCLF Cumulative Financing June 30 2020

"FCLF has proven its community impact and hard work. We are proud to partner with FCLF." – Leslie Watson, Analyst, Community Investments

Dignity Health

"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

"We're thrilled to partner with FCLF to make our project a reality to serve generations of kids in our community." – Dawn Stanhope, President & CEO

Boys & Girls Clubs of Manatee County

"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 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

"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

"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

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

JPMorgan Chase Foundation

"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

"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…

"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…

“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

"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

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

Sister Mary Heyser, RSHM

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

Metropolitan Ministries

"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 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.

"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

Our Partners

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