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SUCCESSFUL
OUTCOMES

through $825 million in financing.

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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.
Trinity Village, developed by Green Mills Group, provides affordable housing in Haines City.
Community of Hope provides housing and services for families in Brevard County.
Sunshine State Development of South Florida will build affordable rental homes for seniors with financing from FCLF.
FCLF 2024 Annual Report image

2024 ANNUAL REPORT

Read our 2024 Annual Report: Strengthening Communities • Building Futures.

Our Impact

$825 Million
financed
9,054
housing units
197
community facilities
28,539
jobs created or retained
2,650,368
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

“We are excited and thrilled about our expansion, and thankful for the partnership with FCLF. Together we are building healthy futures for children and families." – Vicki Soulé, CEO

Treasure Coast Community Health

“Thanks to FCLF we’re able to provide brand-new safe, affordable homes for 90 families in a sustainable mixed-use, mixed-income community." – Mitchell Rosenstein, Founder & Principal

Green Mills Group

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

Sister Mary Heyser, RSHM

“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

"FCLF is very focused on bringing financing to affordable housing. Stability in these households brings stability to the entire community." – Jonathan Wolf, President & Founder

Wendover Housing

"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

“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

“With FCLF’s invaluable assistance, HBH was able to realize a transformative vision that is a game-changer for our community."– John Aquino, Dir. of Admin

Henderson Behavioral 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.

“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

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

PNC Bank

“Thank you FCLF for assisting me with this project. Soon we will have affordable housing ready, and the community is proud to welcome new families."– Robyn Yant, Owner & Founder

Impactful Investment Partners

"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.

"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

"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

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

Bank of America

"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

"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

"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

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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