2017 Annual Celebration Honors Partnerships

Finance Fund President and CEO Diana Turoff

Finance Fund President and CEO Diana Turoff

On May 11th, Finance Fund and Finance Fund Capital Corporation (FCAP) hosted an annual networking celebration, sponsored by Capital One, at the historic Bluestone in downtown Columbus.  This reception commemorated 30 years of economic development partnerships as well as projects that have demonstrated our principles of being:  Mission Driven. People Focused. Community Inspired.

Our success would not have been possible without our great partnerships and sponsors.  I am so proud of the accomplishments we have achieved in the past year, focusing on our vision of empowering Ohio’s low to moderate income communities. Our 2016 annual report was released and we thank this year’s sponsor Rea & Associates.

Over 200 business, elected, community and nonprofit leaders attended this celebration.  We thank US Bank whom sponsored our creative food stations. Part of the fun included our raffle prizes brought to us by Merrill Lynch and our variety of desserts provided by Huntington Bank. The networking at the reception was made possible by our sponsor Barnes and Thornburg.

We congratulate our award recipients:

L to R, Diana Turoff, Dr. Michelle Reynolds, Kelly Cook.

(L to R) Diana Turoff, Dr. Michele Reynolds, Kelly Cook.

Our Community Champion award recognizes selfless commitment to advocacy, fellowship and stewardship to advance the health, education and well-being of community residents in meaningful and significant ways. This award was presented to Nothing Into Something Real Estate, Inc.

Nothing Into Something Real Estate (NISRE) Inc. is a faith based non-profit organization that has been successfully serving the homeless since 2006.  NISRE’s CEO, Dr. Michele Reynolds accepted this award presented by Finance Fund’s Credit Officer, Kelly Cook.

Our Visionary Funder award recognizes a funder who works with Finance Fund Capital Corporation (FCAP) to direct benefits to underserved, low-income populations in Ohio through innovation and initiative as well as extraordinary commitment and perseverance.  This award was presented to Opportunity Finance Network (OFN).

(L to R) Diana Turoff, Shakeyda Daniels, Robin Odland, Maxwell Gritzuk, Amber Seitz.

(L to R) Diana Turoff,          Keys Daniels, Robin Odland, Max Gritzuk, Amber Seitz.

Opportunity Finance Network (OFN) is the leading national network of CDFIs, investing in opportunities that benefit low-income, low wealth, and other dis-invested communities in the U.S.  Members of OFN’s Financial Services Team, Robin Odland, Max Gritzuk and Keys Daniels accepted this award presented by FCAP’s Senior Manager of Development, Amber Seitz.

Following the awards presentation, we heard a few words from our Community Voice, Mrs. Julie Luu, who spoke on behalf of The Childhood League Center.  The Childhood League Center opened their new facility earlier this year.  Partnering with Capital One, Finance Fund provided federal and state New Markets Tax Credit financing to help The Childhood League Center build a larger and more modern building to serve more than 450 children, under the age of 6, who are at risk of or have developmental delays.

Julie Luu, Diana Turoff

Julie Luu, Diana Turoff

“The Childhood League Center has been life- changing for my family”, said Julie. Her son, Ben, had been diagnosed with autism spectrum disorder.  With the help of intervention and specialized services from The Childhood League Center, Ben’s rapid improvement caused his diagnosis to be questioned in a recent evaluation and he continues to thrive.

Ending the program, we looked back at the 30 year history of Finance Fund and FCAP partnerships and projects, portrayed by a photo montage.  We would not be able to do this important work without the strong support of all of our esteemed partners and we are grateful to all of you. Especially this year’s sponsors that made this event possible.

2017 Event Program Final4


Joined by Federal and State Elected Leaders, FCAP Celebrates Groundbreaking for Campbell’s Market in Vinton County

Finance Fund President and CEO Diana Turoff

Finance Fund President and CEO Diana Turoff

Despite the cold and rainy conditions, there are sunny skies ahead for Vinton County. The Healthy Food for Ohio (HFFO) program, administered by Finance Fund Capital Corporation (FCAP), celebrated the long awaited groundbreaking for the new Campbell’s Market in McArthur, Ohio. Vinton County’s only grocery store closed in 2013, leaving over 13,000 residents without access to healthy, affordable food. Rhoda Toon Price, Executive Director, Vinton County Senior Citizens, said it best, “The Campbell’s Are Coming!! Hallelujah!!”

On Monday, March 20th, many Vinton County community members, the Vinton County Commissioners and county staff as well as representatives from local, state and federal government gathered to show their true appreciation and excitement, knowing that very soon, Vinton County will once again have access to fresh produce, meats, dairy, and other essential grocery items.

Michael Bledsoe, Vinton County Commissioner Ohio House Finance Chairman, Ryan Smith (R-Bidwell) U.S. Congressman Steve Stivers Diana Turoff, President and CEO, FCAP Richard Campbell, Proprietor Rick Campbell, Proprietor Ohio Senate President Tempore Bob Peterson (R-Sabina) Caroline Harries, Associate Director, The Food Trust Tim Eberts, Vinton County Commissioner Representative Jay Edwards (R-Nelsonville)

Michael Bledsoe, Vinton County Commissioner
Ohio House Finance Chairman, Ryan Smith (R-Bidwell)
U.S. Congressman Steve Stivers
Diana Turoff, President and CEO, FCAP
Richard Campbell, Proprietor
Rick Campbell, Proprietor
Ohio Senate President Tempore Bob Peterson (R-Sabina)
Caroline Harries, Associate Director, The Food Trust
Tim Eberts, Vinton County Commissioner
Representative Jay Edwards (R-Nelsonville)

The ceremony began with an inspirational and energetic performance by the Vinton County High School Band, followed by Breaking Ground for the new Campbell’s Market. Speakers included:

• U.S. Congressman Steve Stivers (OH-15)
• Ohio House Finance Chairman Ryan Smith (R-Bidwell)
• Ohio Senate President Pro Tempore Bob Peterson (R-Sabina)
• Finance Fund Capital Corporation President and CEO, Diana Turoff
• Campbell’s Market Proprietor, Richard Campbell
• Vinton County Senior Citizens, Executive Director, Rhoda Toon Price
• The Food Trust, Associate Director, Caroline Harries

To end the program, the Campbell family was presented with a certificate from Attorney General Mike DeWine’s Southeast Ohio Regional Director, Ian Christie, and a proclamation from William Lloyd, Ohio Secretary of State Jon Husted’s Regional Liaison.

For over three years, Vinton County’s only option was to travel many miles to another county to buy fresh food. Vinton County welcomes Campbell’s Market to McArthur, Ohio, due to a collaborative effort including partners of the HFFO program, local community members, and representatives from local, state, and federal government.

On behalf of FCAP, I am extremely proud to be a part of this project. Through our HFFO program, FCAP provided Campbell’s Market with a financing package of $1,575,000 to build a 12,000 sq. ft. grocery store expected to open August 2017. Each of FCAP’s projects is special, but Campbell’s Market in McArthur is particularly significant due to the tremendous, concerted effort behind this project’s realization. This grocery store will improve the quality of life and attract businesses and jobs for the residents of Vinton County.

For Additional Articles, Please see the links below:




Vinton Courier


The Eagle



Simon’s Supermarket Opens in Euclid

Finance Fund President and CEO Diana Turoff

Finance Fund President and CEO Diana Turoff

On Saturday, February 4th, Simon’s Supermarket hosted a Pre-Super Bowl style grand opening. Beginning at noon, the supermarket offered giveaways, samples, raffles and free food and prizes. Simon’s is a true asset to the Euclid community. Not only does it provide high quality, affordable healthy food options, it created over 60 jobs for local residents.

Providing $650,000 in flexible capital for store construction and equipment, the Healthy Foods for Ohio (HFFO) program assisted to make the grand opening of Simon’s Supermarket possible. The amount of traffic really impressed me. The store was filled with legislative leaders and many community members eager to welcome the store to the distressed city of Euclid.Simons Supermarket

Finance Fund Capital Corporation (FCAP) has funded nine healthy food projects and has leveraged every state dollar invested at a 5:1 ratio. Simon Hussain would not have been able to convert the 27,000 sq. ft. building into a full service supermarket without the help of the HFFO program. The program creates jobs and improves healthy food access which reduces costly health outcomes associated with diet-related chronic diseases throughout Ohio.

New Clifton Market Provides Healthy Food Access

Omar Elhagmusa, Lending Officer

Omar Elhagmusa, Lending Officer

The Clifton neighborhood had been without a fresh food grocery store since 2011. The long awaited Clifton Market is now open with the help of Finance Fund Capital Corporation (FCAP). Partnering with Shared Capital Cooperative, FCAP purchased a $712,000 participation in a $1,096,000 loan for equipment and inventory. Another partner, National Cooperative Bank provided funding for real estate and leasehold improvements. Together, the partners provided total funding of $2.97 million.


The 29,000 sq. ft. full-service supermarket was completely renovated, adding efficient coolers and refrigerators, LED lighting and restoring the building’s original ceiling tiles. Serving 30,000-40,000 college students residing in the greater Clifton area, Clifton Market offers produce, meat, seafood, dairy, bakery, prepared foods, and household products along with in-store cooking classes and interactive video kiosks that share nutrition information and recipes.

On the evening of January 26th, there was a store-wide scavenger hunt and food tasting for adults and children. The store hosted a Blue Jeans and Black Tie Gala from 6 p.m. to midnight on Friday, January 27th which featured a silent auction, a Taste of Clifton Market that showcased each department, a treasure hunt and live music by Mike Grathwohl of the Modulators. The three day opening festivities culminated on Saturday, January 28th, with an official ribbon cutting ceremony and a community parade consisting of 135 grocery carts that rolled throughout the store.

IMG_9388-2The Clifton Market Gala Opening was a great event! The impressive turn out included an eclectic, diverse array of people. The crowd seemed excited for the opening while they shopped, enjoyed numerous food and beverage samples and danced to the live musical mix consisting of blues, classic rock and country. The community really came together in appreciation for the opening of this long awaited supermarket.

Finance Fund Provides Financing to Open the New Childhood League Center

Amber Seitz, Senior Manager of Development

Amber Seitz, Senior Manager of Development

Finance Fund helps the Childhood League to renovate a 41,000 sq. ft. facility to double its space and the number of children it serves.  Finance Fund provided nearly $10.6 million in federal and state New Markets Tax (NMTC) financing to make the grand opening of the new Childhood League Center possible.


State Senator Stephanie Kunze joined Central Ohio leaders to celebrate the grand opening of this licensed early childhood intervention center.  Located on Cleveland Avenue in Columbus, OH, the new Childhood League Center is committed to serving children ages 6 and under providing inclusive programs designed to promote positive development and learning for all children.  Part of the Childhood League Center’s mission is to provide early childhood educational opportunities for children with developmental disabilities and empower families.

Finance Fund’s investment enables the new Childhood League Center to prepare children to reach their full potential.  The goal is that by the time the children enter kindergarten, 65% of which received services from the Center will no longer qualify for specialized services.

On Thursday, January 26th, the Childhood League Center offered light appetizers, activities for children and tours of the facility at their grand opening event.  The presentation featured the following key speakers:

  • Ginger Young, Executive Director, The Childhood League Center
  • Peter McMurtrie, Chair of the Board of Directors, The Childhood League Center
  • Senator Stephanie Kunze, District 16, Ohio Senate
  • Kevin Boyce, Franklin County Commissioner
  • Jess, Former Childhood League Center student

Senator Sherrod Brown could not attend the grand opening, however he recorded a video message that was played during the presentation.  He specifically thanked President and CEO, Diana Turoff and Finance Fund for their investment to make this project possible.  He ended with a quote, “When you get, you give, when you learn, you teach.”

IMG_0627One of the highlights of the Childhood League Center’s Grand Opening was hearing Ginger Young tell the story about a lovely woman that was in attendance that night, Elaine D. Walter.  The Center dedicated the building in her name for the transformational lead gift that her family provided.  The day of the dedication also happened to be Elaine’s 96th birthday.  Getting to know the people involved in this project and witnessing the end result, knowing Finance Fund had a hand in it, makes me proud to be a part of this organization.


Healthy Food for Ohio Seeks Ongoing State Funding Support

Finance Fund President and CEO Diana Turoff

Finance Fund President and CEO Diana Turoff

Today, Finance Fund Capital Corporation (FCAP) joined with leaders from government, health, the grocery industry and the community at a Statehouse Day Briefing to raise awareness and provide an update on the progress of the Healthy Food for Ohio (HFFO) program.

FCAP was honored to welcome our key speakers including Legislative Champions, Ohio Senate President Pro Tempore Bob Peterson and Ohio House Finance Chairman Ryan Smith, both greatly support the HFFO program and promoted the need for Campbell’s Market in Vinton County. “The HFFO program needs to continue to reach more communities in need”, said Senator Peterson. Ohio Rep Ryan Smith recounted, “HFFO was created to lower the risk for grocers to open and to provide healthy food access.” He thanked the Campbell family and announced that there are many other communities in need and we have a lot more to do. Our Community Voices, Kandace Jones, Neighborhood Association Leader from Euclid, OH, spoke on behalf of the importance that Simon’s Supermarket has in the Euclid Community and was excited to announce the grand opening on Saturday, February 4th. Rhoda Toon Price, Executive Director, Vinton County Senior Citizens from McArthur, OH, began with a chant, “The Campbell’s Are Coming!” Vinton County is very excited to once again have a grocer in the county with access to healthy food. The ground breaking for Campbell’s Market is scheduled for March. The Panel Discussion that followed, included Dr. Laxmi Mehta, cardiologist, The Ohio State University Medical Center, Ohio Grocers Association President and CEO, Kristin Mullins, Richard Campbell from Campbell’s Market and Simon Hussain from Simon’s Supermarket. The panel did an excellent job to promote the HFFO program and explained how HFFO benefits them. HFFO is Ohio’s first-ever statewide healthy food financing program. It provides flexible financing to eligible rural and urban healthy food retail projects in underserved areas of highest need throughout the state.

We appreciate the strong support the HFFO program has received from the governor’s office, state and federal elected leaders, health and economic development organizations, state agencies and public and private funders.

HFFO has funded five healthy food projects to date

(L to R) Ohio Representative Ryan Smith, Dola Powell, Terri Fetherolf, Rhoda Price, Beth Campbell, Rick Campbell and Ohio Senator Bob Peterson.

(L to R) Ohio Representative Ryan Smith, Dola Powell, Terri Fetherolf, Rhoda Price, Beth Campbell, Rick Campbell and Ohio Senator Bob Peterson.

Campbell’s Market in McArthur
Hattie Larlham Fresh Market in Akron
Mobile Market on the Green in Toledo
Prather’s IGA Supermarket in West Union
Simon’s Supermarket in Euclid

Together, these projects provide more than 35,000 Ohio residents with fresh, affordable food. They are creating an estimated 114 FTEs and 53 construction jobs. They are also creating or expanding nearly 68,000 square feet of retail space.

HFFO’s pipeline of funding requests is full and overflowing. Currently, there are 38 projects seeking a total of $59 million in funding. Demand for funding far exceeds available resources, which is why we held the Statehouse event today – to encourage continued state funding support for the Healthy Food for Ohio program.

Why is continuing HFFO so important?

A growing body of research documents that people living in communities without a supermarket or other healthy food retail venue suffer from disproportionately high rates of obesity, diabetes, certain cancers, high cholesterol and other diet-related health issues.

These health issues contribute to Ohio Medicaid spending $50 billion annually to address chronic diseases, most of which are tied to poor nutrition. Insights from grocers helped identify some of the key barriers that are keeping healthy food retailers from operating or expanding in areas that need them the most.

One of the most significant barriers is the lack of access to capital needed to fund land assembly, workforce training, security, transportation and other costs that are unique to grocery stores in urban or rural areas. Flexible funding is essential to helping grocers overcome barriers that have kept so many of them from operating in underserved communities.

Your continued strong support is essential as we seek additional state funding to meet the demand for grocery stores in communities that simply don’t have access to healthy and affordable food.

Click here for more information on HFFO.


Unique Partnership Launches Local Food Action Plan

Director of Development Valerie Heiby

Director of Development
Valerie Heiby

Everyone should have access to nutritious and affordable food. Finance Fund, along with many others in the local community, are working hard to make that happen. It has been my great privilege to represent Finance Fund on a terrific Working Committee to develop the Columbus and Franklin County Local Food Action Plan which launched this week.

From the Plan’s Executive Summary, here’s a snapshot of some of Franklin County’s food-related issues:

  • 1 in 5 children in Columbus are food insecure and are more likely to experience chronic disease. (2014 Franklin County Children’s Report; Community Research Partners)
  • In the 2014/15 school year, 30% of pre-K and 28% of kindergarten students in Columbus City Schools had a Body Mass Index at or above the 85th percentile, putting them at increased risk for high blood pressure, type 2 diabetes and other weight related issues. (Columbus City Schools Wellness Initiative)
  • Less than 25% of adults in Franklin County report consuming fruit and vegetables the recommended five or more times a day. (Franklin County Health Map 13)
  • About 13% of the material entering the Franklin County Sanitary Landfill each year is food waste. (2013 Waste Characterization Study of the Municipal Solid Waste Entering the Franklin County Sanitary Landfill)
  • In 2010, The United States Department of Agriculture (USDA) described 275,641 Franklin County residents (24%) as having low access to grocery stores with 72,902 of those also identified as low income. (Food Access Research Atlas; United States Department of Agriculture Economic Research Service)

Work on the plan began in November 2014 when Columbus City Council and the Franklin County Board of Commissioners, led by councilmember Priscilla Tyson and Commissioner John O’Grady, joined up with not-for-profit Local Matters. This unique partnership conducted community-level food planning meetings, stakeholder interviews, surveys and public feedback sessions. More than 1,000 residents and stakeholders provided valuable insights that led to the development of the Local Food Action Plan.

LFAP2The plan is built around four major goals:
1. Enhance coordination and communication among existing food resources and agencies.
2. Improve access to and education about healthy affordable food and local food.
3. Increase the role of food in economic development.
4. Prevent food-related waste.

It is intended to create a strong and resilient local food system, inform public policy, inspire program development, foster community collaborations, guide local funding strategies, and establish the foundation for successful philanthropic and public grant applications.

You can view the full plan and learn more about the development process here. For information about Finance Fund Capital Corporation’s Healthy Food for Ohio flexible funding program for healthy food retailers please visit our website.


Healthy Food For Ohio Focus of #GivingTuesday

Finance Fund President and CEO Diana Turoff

Finance Fund President and CEO Diana Turoff

I always look forward to celebrating Thanksgiving with friends and family, then launching into the hustle and bustle of holiday shopping. We all know Black Friday and Cyber Monday, but fewer people are aware of #GivingTuesday, November 29th. Launched in 2012, this international movement is fueled by social media and generates philanthropic support for a wide range of causes. Leading technology companies including Mashable, Skype, Cisco, Microsoft, and Sony are behind its founding and continue to shape and strengthen the online movement.

Finance Fund Capital Corporation (FCAP) will participate in #GivingTuesday again this year and is focusing our request around Healthy Food for Ohio (HFFO), a public-private partnership which we launched in March. HFFO has been successful in bringing flexible funding to healthy food retailers opening or expanding operations in underserved communities. To date, the program has leveraged $2 million in state seed capital to $12 million and funded 5 projects in urban and rural communities statewide.

The demand for HFFO funding, however, far exceeds available resources. Nearly 40 healthy food retail projects have applied for HFFO’s flexible funding to date. To help meet the demand, FCAP is seeking additional support for the HFFO program on #GivingTuesday.

Thanks to HFFO funding, grocery retail is now providing fresh fruits and vegetables, meat  and dairy in areas formerly designated as USDA food deserts. We know that access to healthy, affordable food can reduce chronic disease and obesity that often stems from a diet high in fats, starches and sugars. HFFO-funded projects range from food hubs to supermarkets and mobile markets and reflect the diverse range of needs in the urban and rural communities they serve.

Here are a few HFFO-funded project examples:

Prather’s IGA . This family owned and operated supermarket provides USDA Grade A meats, as well as produce, dairy, and a full range of grocery items to the rural West Union community. With HFFO funding, Prather’s is updating their produce department, cold and freezer cases to expand their healthy food selection.

Simon’s Supermarket . Located in USDA-designated urban food desert on Euclid Avenue in Cleveland, Simon’s brings jobs and much-needed fresh food to an impoverished area. A recent preview event at the construction site attracted about 90 area residents who shared their ideas for needed grocery items, and completed employment applications.


Hattie Larlham . Thanks in part to funding from the HFFO program, a 4,400 sq. ft. fresh food “corner market” is growing out of the Hattie Larlham food processing hub to provide Akron residents with produce, and create new job training opportunities for people with disabilities.

Thank you for being a friend to FCAP and for supporting our efforts to improve the health of children and families through healthy food access. Please give generously on #GivingTuesday or use this link to make your contribution today. 

New Kroger Serves Multi-Ethnic Shoppers in Northland Village

Finance Fund Office Manager Jennifer Hunt

Finance Fund Office Manager Jennifer Hunt

As a Finance Fund employee, I was thrilled to attend the recent Kroger Northland Village grand opening on Morse Road in Columbus. As a resident of the community served by the new full-service store, I can report that it has greatly exceeded my neighborhood’s expectations. Not only does the store cater to the diversity of the community, it also created more than 200 jobs for area residents. Walking through it, I felt like a child in the world’s largest toy store. The place is huge – 102,188 sq. ft. – and offers so much more than I could have ever imagined.

I am amazed at the effort that Kroger put forth to actually research the multi-ethnic Northland Village community and provide such a wonderful place to shop. Clearly, the store was designed to cater to the neighborhood’s different nationalities and businesses including: Somali, African American, Asian, Nepali, South American/Latino, American and Italian.

Here are just a few of the highlights:

  • At the entrance and upstairs, beautiful murals painted by local artists capture the diversity of the community
  • On offer are spices, fruits and vegetables and foods you won’t find in any other Kroger that are native to the different nationalities
  • Convenience options include a salad and olive bar, Starbucks, and made-to-order pizza, pasta, sandwiches and sushi and an in-store food cart serving Nepali, Indian and Tibetan cuisine
  • There is a section for pets and beauty supplies
  • They even sell clothing with inspiring phrases and pictures of children of different ethnicities
  • Numerous seating areas inside and out encourage relaxation and conversation, and a second floor area has televisions
  • There is even a Little Clinic and large pharmacy with interpreters

signage (1)

Finance Fund saw the need for the store in what was a USDA-designated food desert, and used New Markets Tax Credit financing to attract critical private investment to this project. Finance Fund provided $8,500,000 of federal NMTC allocation and $2,564,103 of Ohio NMTC allocation. In addition, the project received Tax Increment Financing from the City of Columbus for infrastructure. U.S. Bancorp, the investor, provided $1,500,000 of federal NMTC allocation to the project.

If you are in the Northland Village neighborhood, be sure to stop by to see how Finance Fund put New Markets Tax Credit financing to work to enable Kroger to create a truly unique grocery store dedicated to meeting the needs of its local customers. 
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Simon Says New Healthy Food Supermarket Will Open in Euclid This November

Omar Elhagmusa, Lending Officer

Omar Elhagmusa, Lending Officer

Energy and optimism filled the room as 90 Euclid community residents gathered in late September to preview the new Simon’s Supermarket and learn more about employment opportunities.

Young families, senior citizens, city and community leaders all expressed support and appreciation for this tremendous community asset and employer. Not only will the store provide high-quality, affordable healthy food options where none existed before, it will also employ up to 60 workers drawn from the economically distressed neighborhood.

Simon’s Supermarket owner Simon Hussain turned to the Healthy Food for Ohio (HFFO) program for funding help to convert the vacant 27,000 sq. ft. property into a full-service supermarket. His experience in developing and managing two other supermarkets in low-income Cleveland neighborhoods enabled him to see the potential of the Euclid site.  

The HFFO program, administered by Finance Fund Capital Corporation (FCAP), provided flexible capital for in-store construction and equipment costs. In addition, the City of Euclid provided funding for external renovations to the store and parking lot.  The City is supporting the project’s ongoing success by developing community engagement and marketing plans alongside Simon, local residents and the Cuyahoga County Board of Health.

Euclid residents welcome Simon's Supermarket.

Euclid residents welcome Simon’s Supermarket.

The store is located in a high-density urban area along Euclid Avenue, a major transportation and commercial corridor. About a fourth of area households have income below the poverty line and lack access to a private vehicle. The store location is served by a bus stop and is within walking distance of numerous multi-unit housing complexes, including senior housing directly across the street.

Simon’s Supermarket is expected to officially open for business in early November. It is exactly the type of project that HFFO was created to assist. HFFO funding is critical to helping overcome the financial barriers that would otherwise keep a supermarket from locating in a low-income underserved neighborhood.

If you’d like to learn more about HFFO funding for your healthy food retail project, please get in touch with me oelhagmusa@financefund.org or visit our HFFO web page.




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