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Florida Local Government Finance Program – Commercial Paper Loan Program

What it Is

Now in its 25th year, the Florida Local Government Finance Program is a flexible, low-interest, short- to medium-term loan program geared toward helping local governments meet their many infrastructure and capital needs. Funding acquired through the program has been used for landfills, water and sewer facilities, courthouses, spring training complexes, library construction, beach re-nourishment, and more.


Key Features

  • Low interest rates

  • Flexibility and ease of use

  • Prepayments can be made any time without penalty (with sufficient notice)

  • Governed by Florida Local Government Finance Commission, composed of officials from participating counties

  • Administered in-house by the Florida Association of Counties


How Many Counties Use It


Meet the Partner

Connie Osborn

Connie Osborn has been a Florida Association of Counties employee for the past 13 years, bringing with her more than 20 years of experience in the finance world. Connie first assumed responsibilities for the Florida Local Government Finance Program (FLGFP) in 2004. She developed a passion for the program and has helped to promote and build FLGFP for more than a decade. In 2012, Connie became the Program Administrator for FLGFP and also serves as the marketing coordinator. The FLGFP celebrated 25 years of service in 2016.



"The FLGFC has been instrumental for many years in helping Hardee County to finance their capital improvement projects. Connie and the rest of the staff make the process virtually effortless and the rates are always the best available."

- Janice Williamson, Hardee County, Director of Budget and Finance



For more information about current rates and program structure, please click on the following link to download the more recent brochure.





FLGFP/FAC Program Administrator 

Connie Osborn


(850) 922-2198

Web: FloridaLocal.org