Banner image of FCLF Board Members 2024

FCLF's Board of Directors includes representatives from organizations all over the state of Florida, representing our Investors, our Borrowers, and Technical Experts.


Bishop Museum of Science and NatureOur Core Purpose: FCLF exists to maximize opportunities for people and places outside of the economic mainstream.

What does this mean? That every loan we make at FCLF brings high social impact to its low-income community and the residents of that community. If a project does not target low-income individuals or aid in economic redevelopment, it does not receive financing from FCLF.

We help capital flow in new and better ways for people and places that we exist to serve. Our goal is to help organizations build, acquire and rehab projects – ultimately, to help people and build strong communities. We believe a community is defined by its components: housing, schools, healthcare, grocery stores, local businesses. Our loans help stabilize communities by providing resources to help local non-profit and mission-based for-profit organizations succeed and achieve their missions.

For 25 years FCLF has led capital into Florida's communities through 3 key actions: Connect, Advance, and Unite.    

Here are some of the ways we have touched lives and communities through our financing programs. 

As of December 31, 2021, FCLF has achieved...

$542 million in total financing into projects totaling $1.35 billion in project costs, through
393 loans through its community development lending, and
30 transactions through the New Markets Tax Credit Program.

FCLF Cumulative Financing through 12.31.2021

Our borrowers provide affordable housing, for sale and rent, to households that meet low-income criteria. As of December 31, 2021, FCLF has financed 6,582 affordable housing units.

FCLF Our Impact 2021, housing
Supportive housing is financed through FCLF for low-income residents who are at-risk or have special needs. This type of housing typically provides social services on site. FCLF financing has provided 1,482 supportive housing units.
 
FCLF also finances community facilities that serve low-income families and neighborhoods. These include healthcare, education, food access, and other social service facilities. As of December 31, 2021, FCLF has financed or provided NMTC for 167 community facilities, totaling 2.5 million square feet.
 
FCLF Our Impact 2021, facilities
 
When a project obtains financing through FCLF, jobs are provided either as newly created jobs or retained jobs that may have been eliminated had the project not proceeded. Through December 31, 2020, FCLF projects created or retained 13,266 temporary construction jobs and 4,320 permanent jobs.
 
FCLF Our Impact 2021, jobs created or retained
 
Projects financed through FCLF and our NMTC program also provide essential services to an estimated 1,033,502 low-income Floridians each year.
 
FCLF Our Impact, Floridians reached

In addition to these measurable impacts, FCLF advocacy work aims to improve public policies that:

  • affect the operating environment in which our borrowers work,
  • create opportunities for increasing the capacity for non-profit developers, and
  • promote transparent accountable strategies for increasing the flow of capital for community and economic development in low- and moderate-income communities.

Our efforts include educating state and federal elected officials on the role of Community Development Financial Institutions (CDFIs) as important intermediary institutions with the capacity to leverage state and federal dollars to achieve greater impact.

To read more about organizations we have financed, we invite you to Meet Our Borrowers. Our Impact report also has more information on our financing throughout Florida.


Here is a snapshot of FCLF's Components of Capital at June 30, 2021, our most recent fiscay year-end:

FCLF Components of Capital 2021


 Here is a snapshot of FCLF's Impact throughout Florida as of June 30, 2021, our most recent year-end. You can download the full Our Impact brochure from our Downloads page.

FCLF Our Impact 2021 cover

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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