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  FCLF Our Impact at 2017 12 31

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. 


Florida Community Loan Fund (FCLF) is a statewide Community Development Financial Institution (CDFI). Established in 1994 as a 501(c)(3), we are a mission-based nonprofit organization dedicated to improving low-income communities throughout Florida by delivering flexible financing and staff expertise.

Our lending provides various types of financing to meet the needs of nonprofit organizations and mission-based for-profit organizations that develop affordable housing, supportive housing, community facilities, and economic development projects. This can include loans for new construction, preservation, rehab, acquisition, lines of credit, and/or longer term permanent financing.

Our financing is made possible by FCLF's strong track record of performance and partnership with investors. These investors include foundations, religious organizations, financial institutions, government entities, trade associations, corporations and individuals – all of which support FCLF's mission in various ways. Their support includes permanent capital contributions, debt capital investments, equity equivalent investments, and general operating support contributions.

For 20 Years FCLF has provided Stability and Success in Florida communities.

We invite you to learn more about the Florida Community Loan Fund by exploring our website and joining our email list, and to contact us if you have additional questions.


  FCLF News and Updates

News about the impact of the Florida Community Loan Fund, our partners, and events that affect community development throughout Florida...
All News

You want your investment to be safe and sound. You want to bring about social change. Your organization has a focus to help underserved individuals through donations.

We can help.

Supporting the Florida Community Loan Fund, through an investment or a donation, allows you to partner with our borrowers to deliver capital to the most needed areas of Florida. We provide tangible results - schools, affordable homes, housing providing social services to those with special needs, child care and health care facilities, and more.

We remain committed to working with our borrowers to help their community development projects succeed, while at the same time preserving the safety of investments. We have undergone the Aeris® rating system, which provides assurance of our financial stability and the effectiveness of our impact.

For 20 Years we have provided Expertise and Capital to help projects succeed.

  • Northern Trust

    Northern Trust

    Northern Trust shows its confidence in FCLF with investments and operating support.   Read More
  • Valley National Bank

    Valley National Bank

    Valley National Bank is a supporter of FCLF, and partners with us in building strong communities in Florida. Read More
  • Axiom Bank

    Axiom Bank

    Axiom Bank has joined as a partner with FCLF in community development in Florida's low-income communities by providing a grant for operating support. Read More
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See All Investor Profiles

Henrietta Townhomes affordable housing

Who borrows from FCLF?

  • Community based nonprofit organizations
  • Mission focused for-profit entities

What kind of activities do we finance?

  • Affordable Housing
  • Supportive Housing
  • Community Facilities
  • Economic Development Projects
  • Environmentally Friendly, Green, and Sustainable Projects

For over 20 Years we have provided Expertise and Capital to help projects succeed.

Meet Our Borrowers

Meet a few of FCLF's Borrowers and learn more about their projects.

Read more

This category contains the Investor Profile articles in a blog style layout.

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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