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20 YEARS of improving Florida communities.

SUCCESSFUL OUTCOMES through $252 million in financing.

Social Impact reaching 39,000 Floridians every year.

Success Stories from FCLF Partners

  • Tampa Bay CDC

    Tampa Bay CDC

    Tampa Bay CDC will purchase & rehab affordable homes in Pasco and Pinellas Counties with financing through a line of credit from Florida Community Loan Fund. Read More
  • Florida Home Partnership

    Florida Home Partnership

    With financing from Florida Community Loan Fund, FCLF, Florida Home Partnership will build single family homes in Pasco County and a community center in Hillsborough County. New homeowners contribute sweat equity to earn down payment assistance.  Read More
  • Armature Works

    Armature Works

    With NMTC financing Armature Works, including The Heights Market Hall and The Gathering, will provide food access, stimulate local business, and create jobs in this low-income community in Tampa. Florida Community Loan Fund, FCLF, provided New Markets Tax Credit (NMTC) allocation for the project, located in Tampa’s historic Armature Works building. Read More
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Borrowing from FCLF

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Learn more about putting our expertise and capital to work to help your project succeed.

Investing in FCLF

Investor Built Home

Learn more about investing in Florida's communities, with high impact results from economic development .

Tweet @FCLFOrg

#Seniors need more #affordablehousing: 19% live below poverty level, 34% live on brink of poverty. @AHFMag https://t.co/WWHcmyCvvF
Miami Beach tries to set realistic #affordablehousing goals https://t.co/mB0vu4AT8K via @miaminewtimes

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Chief Executive Officer

Esteban I 2015 Oct 70wIgnacio Esteban is Chief Executive Officer of the Florida Community Loan Fund, a statewide nonprofit community development financial institution providing capital and expertise to help community development projects succeed throughout Florida. Mr. Esteban joined the organization in 1997 and has led the organization since 2000; during that time FCLF has increased its financing from $2.3 million to $278 million including NMTC financing. Mr. Esteban develops and executes strategic direction and oversees the lending, finance, government relations, marketing, and development functions of the organization. Esteban has 24 years of experience at the local, state and national level in the field of community development finance. Formerly, he worked at the National Federation of Community Development Credit Unions (New York) and at Community Trust Federal Credit Union (Apopka, FL) ‒ a community development credit union serving farmworkers. During his tenure as Board Chair for the Opportunity Finance Network, the organization grew significantly and gained relevance at a national level. He led the OFN board through a strategic planning process that culminated in a 15-year strategic plan. Currently, he is a member of its NMTC Advisory Committee. Additionally, Esteban serves on the JP Morgan Chase Community Advisory Board, TD Bank’s NMTC Advisory Board and Banco Popular’s NMTC Advisory Board. He is a former board member of Partners for the Common Good and the CDFI Coalition. A native of Puerto Rico, Mr. Esteban earned a degree in Finance and Business Administration from the University of Central Florida, and an MBA from the Crummer Graduate School of Business at Rollins College where he was the 2005 recipient of the Martin L. Bell Scholarship.