Our 2023 Annual Report is here

Slide 1

SUCCESSFUL
OUTCOMES

through $663 million in financing.

Slide 2

LEADING CAPITAL

to maximize opportunities across Florida.

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SOCIAL IMPACT

reaching 2 million Floridians every year.

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EXPERTISE AND
CAPITAL

to help your project succeed.

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28 YEARS

of strengthening Florida communities.

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Through Capital and Expertise

We Drive Positive Economic and Social Change

At FCLF we are dedicated to improving lives and communities. Our financing meets the needs of nonprofit organizations and mission-based for-profit companies that develop affordable housing, supportive housing, community facilities, and economic development projects. Every loan we make brings high social impact to its community.

We care about your mission, not just our bottom line.
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ABOUT FCLF

Learn about our Core Purpose, Vision, Mission, and how FCLF brings impact to Florida communities.
The Sharing Center offers social services for those experiencing poverty and homelessness in Seminole County.
Metropolitan Ministries is expanding its Pasco County services and facility with NMTC financing.
Autism Inspired Academy serves special needs students in Clearwater, Florida.
FCLF 2022 Annual Report image

2023 ANNUAL REPORT

Read our 2023 Annual Report: Investing in Florida's Communities.

Our Impact

$663 Million
financed
8,577
housing units
178
community facilities
26,191
jobs created or retained
2,209,588
Floridians reached annually with services

Put our expertise and capital to work to help your project succeed.


Who Borrows From FCLF?
  • Community based nonprofit organizations
  • Mission-focused for-profit entities
What Can FCLF Finance?

Community development projects in Florida’s low- and moderate-income neighborhoods. For example,

  • Housing
  • Community Facilities
  • Economic Development

Every investment brings high-impact results to Florida’s communities.


Why Invest in FCLF?

Your support, through an investment or a donation, is a socially responsible investment that delivers capital to where it is most needed.

  • Tangible results: schools, affordable homes, housing providing social services to those with special needs, child care and healthcare facilities.
  • Tailored investment to meet your needs
  • Your investment is stable, secure, and financially sound.
Who Invests in FCLF?

Our wide range of investors and supporters comes from across the U.S.

  • Nearly all leading Florida financial institutions,
  • Religious communities and orders of faith,
  • Federal and state government,
  • Leading national foundations, nonprofits, and corporations.

Hear From Our Partners

"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

“Expanding our facility with NMTC financing provides the Overtown community resources necessary to provide a fighting chance to break down barriers and break the cycles of poverty.” – Tina Brown, CEO

OYC Miami

"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 are proud to continue our support of the Florida Community Loan Fund." – Jodie Hardman, SVP, Marketing Mgr, Corp Social Responsibility

Bank of America

Partnering with FCLF allows PNC to help build strong communities. - Aileen Pruitt, Florida Market Manager, PNC Community Development Banking

PNC Bank

"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

“Affordable housing is an issue that needs our full attention. This grant, along with the efforts of FCLF, will help inspire and build better lives and communities." – Steve Fisher, Regional Pres

Truist

"This renovation marks a significant milestone in our 38-year history. We are grateful for FCLF's support and for helping us further our mission." – Nina Yon, President & CEO

The Sharing Center

"Partnering with FCLF helped us lower costs and maintain our construction schedule… helping us serve more families, more efficiently." – Catherine Steck McManus, President & CEO

Habitat for Humanity Greater Orlando …

"We appreciate how the work of FCLF primarily benefits low- to moderate-income individuals and areas and supports the needs of our community." – Maria J. Thompson, Community Development Manager

Third Federal Savings

“We are grateful for FCLF’s partnership. This is what is possible when a community comes together for its most vulnerable neighbors."– Stephanie Berman-Eisenberg, Pres/CEO

Carrfour Supportive Hsng Apollo Gardens

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

Sister Mary Heyser, RSHM

“FCLF addresses local community needs, which aligns with our core values. We appreciate your commitment to our communities.” – Mellissa Slover-Athey, Comm Reinv Ofcr

CenterState Bank

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

Metropolitan Ministries

"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

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

BBVA Compass

“Our partnership with FCLF makes an enormous difference in overcoming the challenge of providing affordable housing." – Jo Ann Nesbitt, President/CEO

St. Jude Great Commission CDC

"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 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

Neighbor Up Brevard

"We admire your passion for improving our nation’s communities. We hope that together we can continue closing the gap between people and opportunities." – Zack Boyers, Chairman & CEO

US Bancorp CDC

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.

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