At a glance
From its website, read 2 Nov 2026Florida Community Loan Fund is a loan fund based in Orlando, Florida. Its website describes affordable housing development loans and nonprofit facility loans. Stated loan amounts run up to $5M. Where it lends: Throughout Florida, low- and moderate-income communities.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Main | (407) 246-0846 source |
|---|---|
| info@fclf.org source | |
| Website | www.fclf.org |
| Office (official list) | 800 N. Magnolia Avenue Suite 106, Orlando, FL 32803 |
What their website says about applying
and ask to be directed to one of our Loan Officers.
sourceIf your Loan Officer believes that your project is a good fit for FCLF financing, you will receive a Loan Application by email.
sourceEach completed application goes through underwriting and then on to a Lending Committee for approval, rejection, or requests for additional information.
source
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Rates and terms they state
Read 2 Nov 2026| Loan | Stated | Text on the lender's site (verbatim) | Page |
|---|---|---|---|
| Loans (general) | Rate stated, not as an APR: see their wording | Rates are fixed and range from 7.00% to 8.75%. | source |
As published on the lender's website on that date, not an offer or a quote. Your rate depends on the lender's review. A missing rate means the pages we read did not state one. For consumer loans we repeat a rate only when the lender states it as an APR (annual percentage rate, which includes fees); otherwise read the lender's own wording and ask for the APR.
Who qualifies, in their words
- Collateral required
Collateral is required. FCLF does not make unsecured loans.
source
Only rules the lender's own pages state. Other requirements may apply.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Loan fund |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 17 Sep 2013 |
| RSSD ID | — (none listed) |
| Address | 800 N. Magnolia Avenue Suite 106, Orlando, FL 32803 Directions (Google Maps) |
| Website | www.fclf.org |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Verified from lender site on 2 Nov 2026Read from 7 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: high. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Affordable housing development loans | — | FCLF’s Community Development Financing provides commercial loans for development of affordable housing, supportive housing, and community facilities providing essential social services. | source |
| Nonprofit / community facility loans | — | FCLF's NMTC focus is on community facilities that place a priority on serving low-income clients or provide dedicated social or educational services to low-income or at-risk clients. | source |
Loan sizes
The maximum loan available for a single loan through FCLF’s Community Development Financing is currently $5 million.
source
Range used for the size filter: not stated to $5M
Service area
Throughout Florida, low- and moderate-income communities
Loans made through the Community Development Financing have a direct impact on low- and moderate-income communities throughout the state of Florida.
source
Statewide: Florida
Borrower focus
- Low- and moderate-income / underserved
FCLF offers financing to nonprofit organizations or for-profit entities for community development projects in Florida’s low- and moderate-income neighborhoods.
source - Nonprofits
We make loans to nonprofit organizations and mission-focused for-profit entities to improve low- and moderate-income communities.
source
Languages
- No non-English service found on the pages we read.
Online application
No online application link found on the pages we read.
Pages read (7)
Questions to ask when you contact them
Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- Is there a minimum loan amount?
Their website gives a maximum ($5M) but no minimum. - How long can I take to repay?
No repayment terms are stated on their website. - Can I apply online, or do I need to call or visit?
We found no online application on their website. - Do you offer free coaching or help preparing my application?
CDFI certification requires development services, such as training or advice, alongside lending. - What documents will you need from me, and how long does a decision usually take?
Their website describes some application steps (above); ask for the full document list.
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$41.3 million in 29 awards from the U.S. Treasury's CDFI Fund, 1998–2024 (7 programs).
| Round year | Program | Amount |
|---|---|---|
| 2024 | Capital Magnet Fund | $4,500,000 |
| 2022 | CDFI Equitable Recovery Program | $3,718,258 |
| 2022 | CDFI Program, Financial Assistance | $560,000 |
| 2022 | Disability Funds, Financial Assistance | $500,000 |
| 2021 | CDFI Program, Financial Assistance | $590,000 |
| 2021 | CDFI Rapid Response Program | $1,826,265 |
| 2021 | Capital Magnet Fund | $10,000,000 |
| 2021 | Disability Funds, Financial Assistance | $500,000 |
| 2020 | CDFI Program, Financial Assistance | $557,000 |
| 2020 | Disability Funds, Financial Assistance | $268,750 |
| 2019 | CDFI Program, Financial Assistance | $650,000 |
| 2019 | Disability Funds, Financial Assistance | $202,000 |
| 2018 | CDFI Program, Financial Assistance | $700,000 |
| 2018 | Disability Funds, Financial Assistance | $400,000 |
| 2018 | Healthy Food Financing Initiative, Financial Assistance | $1,500,000 |
| 2017 | CDFI Program, Financial Assistance | $776,500 |
| 2017 | Healthy Food Financing Initiative, Financial Assistance | $1,000,000 |
| 2016 | CDFI Program, Financial Assistance | $2,000,000 |
| 2015 | CDFI Program, Financial Assistance | $2,000,000 |
| 2015 | Healthy Food Financing Initiative, Financial Assistance | $1,500,000 |
| 2013 | CDFI Program, Financial Assistance | $1,347,000 |
| 2011 | CDFI Program, Financial Assistance | $1,500,000 |
| 2010 | CDFI Program, Financial Assistance | $750,000 |
| 2008 | CDFI Program, Financial Assistance | $1,000,000 |
| 2007 | CDFI Program, Financial Assistance | $586,800 |
| 2004 | CDFI Program, Financial Assistance | $800,000 |
| 2001 | CDFI Program, Financial Assistance | $1,000,000 |
| 2000 | CDFI Program, Technical Assistance | $50,000 |
| 1998 | CDFI Program, Financial Assistance | $550,000 |
New Markets Tax Credit allocations
$586 million in 13 allocations. An NMTC allocation is the authority to offer investors federal tax credits for community investments; it is not cash paid to the lender and is not counted in the award total above.
| Round year | Program | Allocation |
|---|---|---|
| 2024 | New Markets Tax Credit allocation | $75,000,000 |
| 2023 | New Markets Tax Credit allocation | $60,000,000 |
| 2022 | New Markets Tax Credit allocation | $60,000,000 |
| 2021 | New Markets Tax Credit allocation | $40,000,000 |
| 2020 | New Markets Tax Credit allocation | $35,000,000 |
| 2017 | New Markets Tax Credit allocation | $45,000,000 |
| 2016 | New Markets Tax Credit allocation | $65,000,000 |
| 2014 | New Markets Tax Credit allocation | $55,000,000 |
| 2012 | New Markets Tax Credit allocation | $40,000,000 |
| 2011 | New Markets Tax Credit allocation | $30,000,000 |
| 2010 | New Markets Tax Credit allocation | $21,000,000 |
| 2009 | New Markets Tax Credit allocation | $45,000,000 |
| 2003 | New Markets Tax Credit allocation | $15,000,000 |
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Size of the fund (IRS Form 990)
Fiscal year ending Jun 2023| Total assets | $147.9M |
|---|---|
| Total liabilities | $94.5M |
| Net assets | $53.4M |
| Total revenue | $15.2M |
| Notes and loans receivable, net (Part X line 7) | $112.2M |
End-of-year figures from the Form 990 this organisation filed with the IRS for the fiscal year ending June 2023 (tax year 2022; EIN 65-0545058, filed as “FLORIDA COMMUNITY LOAN FUND”), taken from the IRS Annual Extract of Tax-Exempt Organization Financial Data (returns processed in 2024). Figures are self-reported to the IRS, not audited by us, and lag one to two years behind today. The lender’s own annual report may show newer numbers. This organisation’s filings on ProPublica Nonprofit Explorer
Filings over time
| Fiscal year ending | Total assets | Net assets | Revenue | Notes and loans receivable |
|---|---|---|---|---|
| Jun 2021 (990) | $108.2M | $42.9M | $7.7M | $77.6M |
| Jun 2022 (990) | $127.9M | $46.3M | $9.4M | $93.6M |
| Jun 2023 (990) | $147.9M | $53.4M | $15.2M | $112.2M |
Total assets grew 37% from Jun 2021 to Jun 2023; notes and loans receivable rose 45%. One row per fiscal year in the IRS extracts of returns processed in 2022, 2023, 2024; “—” = the line was empty or zero on that return (a fund can book its loans on other lines).
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Largest loan its website states | $5M | Other loan funds whose website states a maximum: median $250,000. Higher than the stated maximum of 86% of these 184. |
| Total assets, latest IRS Form 990 | $147.9M | Larger than 100% of the 9 other certified loan funds and venture funds in Florida with a matched Form 990 (median $8.6M). |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Largest stated loan | other loan funds stating a maximum, nationwide | 184 | higher than 86% |
| Form 990 total assets | certified loan and venture funds with a Form 990, in Florida | 9 | larger than 100% |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered. Peer groups and sources: methodology. Form 990 figures: IRS annual extracts (see the Form 990 section).
Other certified CDFIs in Orlando and Florida
- BBIF Capital, Inc.Loan fund · Orlando, FLCommercial real estate loans, Microloans, Small-business loansVerified
- Orlando Credit UnionCredit union · Orlando, FLOfficial list only
- Priority Credit UnionCredit union · Orlando, FLAuto / vehicle loans, Credit-builder loans, Small-dollar / emergency loans, Equipment loans…Verified
- BAC Funding Consortium, Inc.Loan fund · Miami, FLCommercial real estate loans, Equipment loans, Equity / venture investment, Small-business loansVerified
- BLACK ECONOMIC DEVELOPMENT COALITION, INC.Loan fund · Miami, FLMicroloans, Small-business loansVerified
- Blue Coast Federal Credit UnionCredit union · Perry, FLAgriculture / farm loans, Auto / vehicle loans, Home repair / improvement loans, Personal / consumer loans…Verified
Work at Florida Community Loan Fund? Link to this page
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CDFI Atlas is not a lender and does not give financial advice. Inclusion is not an endorsement, and lenders have not reviewed or approved these pages. Disclaimer.