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Florida Community Loan Fund
Florida Community Loan Fund reported $24.8 million in revenue and $11.2 million in expenses for the fiscal year ending June 30, 2025. Of every $100 it spent, $84.22 went to program services, $13.21 to management and general costs and $2.57 to fundraising. Its largest source of revenue was contributions and grants: 52.6% of the total. Government grants made up 7.6%. The highest compensation it reported for one person was $348,986 (CHIEF FINANCIAL OFFICER). 14 people received more than $100,000 in reportable compensation. Revenue rose 162% between FY2020 and FY2025. Source: Form 990, FY2025.
Where $100 of spending went
The fiscal year ending June 30, 2025 · Form 990, Part IX, line 25 · total expenses $11MFor context, the median across 479 covered community improvement & capacity building charities: $90.45 programs, $9.31 management, $0.24 fundraising (medians computed separately, so they may not sum to $100).
Where $100 of revenue came from
The fiscal year ending June 30, 2025 · Form 990, Part VIII · total revenue $25MThe 990 scorecard · same measures for every charity, no grades
| Measure | FY2025 | Median |
|---|---|---|
| Program services Part IX 25(B) ÷ 25(A) | 84.2% | 89.1% |
| Management & general Part IX 25(C) ÷ 25(A) | 13.2% | 9.2% |
| Fundraising Part IX 25(D) ÷ 25(A) | 2.6% | 0.2% |
| Fundraising cost per $1 of contributions Part IX 25(D) ÷ Part VIII 1h | $0.02 | $0.00 |
| Contributions & grants share of revenue Part VIII 1h ÷ 12 | 52.6% | 80.1% |
| Government grants share of revenue Part VIII 1e ÷ 12 | 7.6% | 14.9% |
| Program service revenue share Part VIII 2g ÷ 12 | 44.0% | 11.9% |
| Highest reported compensation Part VII-A, columns D–F | $348,986 | $291,103 |
| Highest compensation as share of expenses Part VII-A ÷ Part IX 25(A) | 3.12% | 1.49% |
| People paid over $100,000 Part VII, line 2 | 14 | 5 |
| Net assets, in months of expenses Part X 33(B) ÷ monthly expenses | 78.6 | 9.2 |
| Independent voting board members Part VI 1a–1b | 11 of 11 | 100.0% |
A median is context, not a target: hospitals, universities, food banks and grantmakers spend in very different ways. What these measures can and can't tell you.
What the money paid for, in its own words
FY2025 · Form 990, Part III · the three largest programs by expenseTo provide loans and technical assistance to nonprofit or mission-focused for-profit organizations to develop affordable housing, supportive housing (which includes social services for residents), community facilities, and economic development projects that have a direct and measurable impact to low income persons throughout the state of florida
Highest reported compensation
FY2025 · Form 990, Part VII, Section A · roles as filed; names are in the filing, not here| Role | From this org | From related orgs | Other | Total |
|---|---|---|---|---|
| CHIEF FINANCIAL OFFICER Officer, 40.00 hrs/week | $327,033 | $0 | $21,953 | $348,986 |
| CHIEF LENDING OFFICER Key employee, 40.00 hrs/week | $327,952 | $0 | $21,018 | $348,970 |
| CHIEF EXECUTIVE OFFICER Officer, 40.00 hrs/week | $314,561 | $0 | $28,254 | $342,815 |
| CHIEF OPERATING OFFICER Highest compensated employee, 40.00 hrs/week | $253,962 | $0 | $15,346 | $269,308 |
| SR COMM DEV LOAN OFFICER Highest compensated employee, 40.00 hrs/week | $178,489 | $0 | $27,581 | $206,070 |
| LOAN PORTFOLIO MANAGER Highest compensated employee, 40.00 hrs/week | $163,240 | $0 | $26,190 | $189,430 |
| COMM & MKG MGR Highest compensated employee, 40.00 hrs/week | $151,919 | $0 | $21,000 | $172,919 |
| COMM DEV LOAN OFFICER Highest compensated employee, 40.00 hrs/week | $134,840 | $0 | $21,696 | $156,536 |
14 people received more than $100,000 in reportable compensation from Florida Community Loan Fund (Part VII, line 2). Compensation of current officers, directors and key employees totaled $936K (Part IX, line 5).
6 years of filings
Form 990, Parts I, VII, IX and X · each row is that year's own filing, linkedGovernance answers, as filed
FY2025 · the organization's own yes/no answers; explanations, if any, are in Schedule O of the filing · what each means- Voting board members, and how many are independent Part VI, lines 1a–1b11 · 11 independent
- Audited financial statements Part XII 2bYes
- Conflict-of-interest policy Part VI 12aYes
- Whistleblower policy Part VI 13Yes
- Document retention policy Part VI 14Yes
- Independent process for top executive pay Part VI 15aYes
- Board given the 990 before filing Part VI 11aYes
- Family or business ties among insiders Part VI 2No
- Aware of a significant diversion of assets Part VI 5No
- Excess benefit transaction with an insider Part IV 25aNo
- Loans to or from insiders outstanding Part IV 26No
- Lobbying, or a 501(h) election in effect Part IV 4Yes
- Over $15,000 of professional fundraising services Part IV 18No
- Over $10,000 of activity outside the U.S. Part IV 14bNo
- Employees Part I, line 521
- Volunteers Part I, line 620
Private foundation grants it received
3 private foundations reported grants to Florida Community Loan Fund totaling $130K on their tax year 2023 Form 990-PF returns. See which foundations, on WHOFUNDS.
Source: WHOFUNDS open grant graph, matched from Form 990-PF Part XV.
Correct a figure or respond
Every number above is copied from Florida Community Loan Fund's own Form 990. If one doesn't match the filing, that's our error and we'll fix it. If you work for Florida Community Loan Fund, you can publish a response that is linked from this page.
Share or embed this breakdown
Of every $100 Florida Community Loan Fund spent in FY2025, $84.22 went to programs. The full breakdown, from its IRS Form 990:
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Similar-sized charities in this cause
- American Friends of OgenUniversity Heights, OH · revenue $25M · programs 99.5% · 2024
- Institute of Management AccountantsMontvale, NJ · revenue $25M · programs 75.8% · FY2025
- Upper East Tennessee Human Development AgencyKingsport, TN · revenue $25M · programs 93.8% · FY2025
- United Ways of CaliforniaSouth Pasadena, CA · revenue $25M · programs 94.2% · 2024
- Chinese American Service LeagueChicago, IL · revenue $25M · programs 87.6% · FY2025
All community improvement & capacity building charities · Largest charities in Florida
Questions people ask
How much of Florida Community Loan Fund's spending goes to programs?
In the fiscal year ending June 30, 2025, Florida Community Loan Fund reported that 84.2% of its $11.2 million in expenses went to program services, 13.2% to management and general and 2.6% to fundraising (Form 990, Part IX).
How much does Florida Community Loan Fund pay its top executive?
The largest total compensation Florida Community Loan Fund reported for one person in the fiscal year ending June 30, 2025 was $348,986, for the role of CHIEF FINANCIAL OFFICER (Form 990, Part VII, including compensation from related organizations and other compensation).
Where does Florida Community Loan Fund get its money?
Of $24.8 million in revenue in the fiscal year ending June 30, 2025, 52.6% came from contributions and grants (including 7.6% from government grants) and 44.0% from program service revenue (Form 990, Part VIII).
Is Florida Community Loan Fund a registered charity?
The IRS lists EIN 65-0545058 as a 501(c)(3) organization (publicly supported organization (170(b)(1)(a)(vi))), and its records show contributions as tax-deductible. Form 990 filings on record here cover tax years 2019, 2020, 2021, 2022, 2023, 2024. A filing shows what the organization reported; it doesn't by itself show whether a program works.
Sources
- FY2025: Form 990 for the fiscal year ending June 30, 2025, object 202641179349300504 · read the filing
- FY2024: Form 990 for the fiscal year ending June 30, 2024, object 202541339349302439 · read the filing
- FY2023: Form 990 for the fiscal year ending June 30, 2023, object 202431369349306303 · read the filing
- FY2022: Form 990 for the fiscal year ending June 30, 2022, object 202341319349307864 · read the filing
- FY2021: Form 990 for the fiscal year ending June 30, 2021, object 202221329349303157 · read the filing
- FY2020: Form 990 for the fiscal year ending June 30, 2020, object 202101339349302145 · read the filing
All filings for EIN 65-0545058: ProPublica Nonprofit Explorer · IRS Tax Exempt Organization Search. Figures are as the organization reported them; we have not audited them.