FCLF provides capital and expertise to help projects succeed and improve low-income communities through its 3 distinct financing programs:

Community Development Fund: Through this lending program FCLF makes commercial loans for affordable housing, supportive housing, the development of community facilities and economic development projects.

Florida Preservation Fund: This program provides developers access to lower rate loans to preserve affordable multifamily rental housing in Florida.

New Markets Tax Credit Strategies: This federal program allows tax credits for qualified low income community investments. Loans are for the construction or major renovation of real estate projects located in highly distressed, low-income census tracts.

We also offer technical assistance to our borrowers, either through our knowledgeable staff or outside technical experts.


This institution is an equal opportunity provider.

We appreciate how the work of FCLF primarily benefits low- to moderate-income individuals and areas. Many thanks for the partnership, and we appreciate all your organization does to support the needs of our community.
- Maria J. thompson, Community Development Manager, Third Federal Savings