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SUCCESSFUL
OUTCOMES

through $755 million in financing.

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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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29 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.
Blue Deep Creek will offer affordable rental housing in Punta Gorda.                                       ...
Handy will purchase a new building, allowing the organization to expand services for youth to create a better future.
Harry Chapin Food Bank of Southwest Florida will reach more residents with a new NMTC-financed facility.
FCLF 2024 Annual Report image

2024 ANNUAL REPORT

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

Our Impact

$755 Million
financed
8,938
housing units
188
community facilities
27,257
jobs created or retained
2,328,949
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

"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.

"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 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

"This renovation is an investment in the community we have served for 25 years. We are tremendously grateful to FCLF for boldly supporting us." – Ed Durkee, President & CEO

Goodwill Industries of Cent. Florida

"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

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

Metropolitan Ministries

"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

"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 …

"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.

"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

"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 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

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

PNC Bank

“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

“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

“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

“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

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

Bank of America

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

JPMorgan Chase Foundation

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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