BOARD AND COMMITTEES
Is my investment in the Florida Community Loan Fund tax deductible?
Both equity investments and contributions to FCLF’s general operations are tax-deductible. Debt capital investment or equity-equivalent investments are not. Financial institutions, however, can receive CRA investment and/or service test credit for either equity, equity-equivalent or debt capital investments. Contributions to FCLF’s general operations are tax deductible up to the limit of the law.
When will FCLF pay me interest on my investment?
Florida Community Loan Fund pays interest annually on June 30 of each year.
How can I be sure my investment is safe?
Florida Community Loan Fund adheres to underwriting and lending policies that ensure financial safety and soundness. To protect FCLF and its investors, it maintains a healthy loan loss reserve and through prudent growth of capital it ensures a safe capital position for investors. Historical loan loss experience is a good indicator of the quality of FCLF’s risk. Since inception in 1996 the organization has maintained an extremely low rate of loan losses. Please check with us for our current historical profile.
Florida Community Loan Fund maintains active registration as a charitable organization in the State of Florida, and is a qualified nonprofit organization under section 501(c)(3) of the Internal Revenue Service Code. FCLF annual financial audits are available to the public and on our website.
Charitable Organization Status.
Florida Community Loan Fund is a 501(c)(3) nonprofit organization, incorporated in the State of Florida. We are registered with the Florida Department of Agriculture & Consumer Services, registration number CH8044. A copy of the official registration and financial information may be obtained from the Florida Division of Consumer Services by calling toll-free 1-800-HELP-FLA (435-7352) within the state. Registration does not imply endorsement, approval or recommendation by the state.
FCLF is a 501(c)(3) nonprofit organization, as conifirmed by the IRS.
You may view our Florida charitable organization registration and our IRS 501(c)(3) confirmation from our Investor Resources website page .
Who else supports FCLF?
Nearly all of Florida's leading banks, state and national foundations, many religious organizations and communities from across the U.S., and all seven of the Catholic Dioceses of Florida. You can see the full list on our Investors and Supporters website page.
Can I get my investment back?
Yes, upon maturity. All debt investments (essentially loans to FCLF) carry a specific term that is typically 3 to 10 years. FCLF will notify you by letter prior to the maturity date with options to redeem your investment or renew the investment for an additional term.
What’s the next step to become an FCLF investor or suporter?
For details on making an investment in FCLF, call our office at 407.246.0846 and ask for our Development Officer, or fill out the Contact Us form on our website. You can be part of creating sound economic opportunities and providing essential social services in low-income communities across Florida.
WE CAN TAILOR AN INVESTMENT TO MEET YOUR NEEDS
Thanks to the assistance of our many investors and supporters, FCLF is able to finance a wide range of community, social and economic development projects that improve the lives of Floridians and create jobs. FCLF’s business model relies on a combination of various forms of investments, as well as grants. Here are our most popular types of support and investments.
Grants.
Capital Grants allow FCLF to leverage other forms of capital on a 1:4 ratio. Operating Support Grants support FCLF’s operating expenses, both lending and administrative.
Equity Equivalent (EQ2) Investments.
Equity Equivalent (EQ2) Investments are a hybrid of debt and capital grants. EQ2 Investments are long-term renewable subordinated debt with equity-like features, generally carrying a minimum term of 10 years.
Debt Capital Investments.
Debt Capital Investments are loans to FCLF that pay interest to the investor, and can take one of two forms. Term investments pay interest annually over a specific time period, usually 5 or more years, often with options for renewal. Lines of Credit have a specific maturity date, with capital available on an as-needed basis.
Program Related Investments.
Foundations may want this type of investment to support FCLF activities that match their philanthropic mission. PRIs are long-term, low-interest rate investments, often with an option for renewal.
Loan Participation Agreements.
Investors purchase a portion of FCLF’s loan portfolio based on shared mission and interest. Investors and FCLF both participate in the risk and return of a specific loan or loans.
New Markets Tax Credits.
New Markets Tax Credits provide private institutional investors the opportunity to invest debt and/or equity in qualified projects. Financial returns for New Markets Tax Credits investments will vary by project, but will generally be higher than those of other investment types.
Aeris Rating System.
This rating and certification system evaluates both financial and social impact performance to enhance investor confidence.
Historical Financial Information.
Click on the links below to view or download FCLF Audited Financial Statements.
- 2024 Audited Financial Statements
- 2023 Audited Financial Statements
- 2022 Audited Financial Statements
- 2021 Audited Financial Statements
- 2020 Audited Financial Statements
Historical Growth Trends.
Components of Capital.
Charitable Organization Status.
Florida Community Loan Fund is a 501(c)(3) nonprofit organization, incorporated in the State of Florida. We are registered with the Florida Department of Agriculture & Consumer Services, registration number CH8044. A copy of the official registration and financial information may be obtained from the Florida Division of Consumer Services by calling toll-free 1-800-HELP-FLA (435-7352) within the state. Registration does not imply endorsement, approval or recommendation by the state. You may view our Florida charitable organization registration here.
Our confirmation of determination by the IRS as a 501(c)(3) organization may be viewed here.
FAQs for Investors.
Still have questions? Here are answers to some of most frequently asked questions about investments, or Contact Us
The Aeris rating and certification system evaluates our financial and social impact. Our full review in 2018 resulted in a rating of 3 Star AA Policy Plus, providing confidence for our investors and supporters.
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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