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 2018 06 30 250w

Cumulative Financing

FCLF Cum Financing 2018 250w

“The partnership with FCLF is very exciting for us – an essential component in providing greater access to fresh healthy food in downtown New Port Richey.” – Jeff Wright, Owner

Wright's Natural Market

"We appreciate the accomplishments your organization attains." - Robert Sucher, Executive VP

Sabadell United Bank

"Thank you to our friends at FCLF. Your staff has been patient and helpful. We'll make you proud!" – Bill Lazar, Executive Director

St. Johns Housing Partnership

"We couldn’t have pulled this project together without FCLF as partners. This is the start of great work in Jacksonville’s historic Springfield district." – Kevin Gay, Exec. Director

Operation New Hope

"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

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

Sister Mary Heyser, RSHM

"I appreciate FCLF for lending in rural areas, where many other lenders are exiting. From the first moment we spoke with FCLF staff, we felt we had a partner." – Jamie Kerr, President, AMCS Dev.

Griffin Heights

"We are delighted to partner with you to serve those most in need in our communities." – Eileen S. Coogan, President & CEO

Allegany Franciscan Ministries

"Aida Palms will be a lasting asset to the City of Lakeland. This revitalization wouldn't be possible without financing partners like FCLF." – Mitchell Rosenstein, Principal, Green Mills Group

Aida Palms

"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

“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

"Our partnership with FCLF helps the American Dream of homeownership come true." – Michael Roberts, Exec Dir

R.E.A.C.H.

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

JPMorgan Chase Foundation

"We consider FCLF a valued partner and strong advocates for low-income communities and families. We look forward to many more years of working together." – Jennifer Westerbeck, Vice President

US Bancorp CDC

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

Dignity Health

"FCLF made it possible for us to provide many special needs and low-income students with the educational services that they need." – Charlotte Tollefson, Director & Founder

Woodlawn Community Academy

"Without FCLF's support, we would not have been able to deliver the services our area so desperately needs. We look forward to a lifetime relationship." – Tom Griffin, CEO

The Transition House, Inc.

"Our relationship with FCLF provides the capital to achieve long-lasting impact." – Terri Murray, Exec Dir

Neighborhood Renaissance

"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

"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

Our Partners

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