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    20 YEARS of improving Florida communities.

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    SUCCESSFUL OUTCOMES through $354 million in financing.

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    SOCIAL IMPACT reaching 340,000 Floridians every year.

Success Stories from FCLF Partners

Community Enterprise Investments, Inc.

Community Enterprise Investments, Inc. will continue to provide affordable rental housing with financing from FCLF.

H.O.M.E.S., Inc.

H.O.M.E.S., Inc. provides single family affordable homes and helps improve neighborhoods in Broward County.

Common Ground CDC

Common Ground CDC provides art instruction and activities for all ages in a Florida low-income community.

Borrowing from FCLF

Borrower Showcase 2018
Learn more about putting our expertise and capital to work to help your project succeed.

Investing in FCLF

Yellow home 2018
Learn more about investing in Florida's communities, with high impact results from economic development.

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.

"We are delighted to partner with you to serve those most in need in our communities." – Eileen S. Coogan, President & CEO

Allegany Franciscan Ministries

"I recommend FCLF for attracting investment to the Florida Preservation Fund... I believe that says something about investor comfort." – Nancy Muller, Policy Director

Florida Housing Finance Corp.

"Thanks to FCLF, we are one step closer to providing a permanent housing solution for veterans and others seeking quality housing at an affordable price." – Carrie Davis, Executive Director

Wealth Watchers

"Aida Palms will be a lasting asset to the City of Lakeland. This revitalization wouldn't be possible without financing partners like FCLF." – Mitchell Rosenstein, Principal, Green Mills Group

Aida Palms

"Thank you to our friends at FCLF. Your staff has been patient and helpful. We'll make you proud!" – Bill Lazar, Executive Director

St. Johns Housing Partnership

"FCLF staff shares our vision and commitment to serve needy families and provide a high quality education to all children." – Thomas Cole, Founder

Emma Jewel Charter Academy

“The partnership with FCLF is very exciting for us – an essential component in providing greater access to fresh healthy food in downtown New Port Richey.” – Jeff Wright, Owner

Wright's Natural Market

"FCLF shows a clear strategy and demonstrated evidence of addressing prevalent community needs." – J. Reymundo Ocañas, Director, Corp Responsibility

BBVA Compass

"FCLF plays a significant role in sustaining vibrant and thriving communities. We are pleased to support your ongoing community based efforts." – Ernie Diaz, South Florida Market President

TD Charitable Foundation

"I appreciate FCLF for lending in rural areas, where many other lenders are exiting. From the first moment we spoke with FCLF staff, we felt we had a partner." – Jamie Kerr, President, AMCS Dev.

Griffin Heights

"Trinity Health is happy to partner with FCLF. We look forward to seeing the impact in the communities you serve." – Sr. Kathleen Coll, SSJ, Administrator, Shareholder Advocacy

Trinity Health

"FCLF understands and is a part of what we are doing: helping families have the American dream of owning a home." – Isaac Simhon, Executive Director

Housing Programs, Inc.

"Cade Museum is proud to be partners with FCLF and JPMorgan Chase. Thanks to the NMTC Program, we will provide a transformative asset to our community." – Jennifer Denault, COO

Cade Museum for Creativity & Inventi…

"We appreciate the accomplishments your organization attains." - Robert Sucher, Executive VP

Sabadell United Bank

"FCLF has a keen knowledge of Florida challenges & opportunities. We are confident our investment will be used to improve lives." – Kathleen Rizzo Young, Sr. VP, Community Development

HSBC Bank USA, N.A.

"FCLF made it possible for us to provide many special needs and low-income students with the educational services that they need." – Charlotte Tollefson, Director & Founder

Woodlawn Community Academy

"It is really working. FCLF is really touching low-income people." – Florida Community Loan Fund Founding Board Member

Sister Mary Heyser, RSHM

“We cannot thank FCLF enough for this partnership, creating permanent housing for our neighbors in need, and their commitment to Florida communities.” – Shannon Nazworth, President & CEO

Ability Housing

"We appreciate how the work of FCLF primarily benefits low- to moderate-income individuals and areas and supports the needs of our community." – Maria J. Thompson, Community Development Manager

Third Federal Savings

"We commend the important work of your organization, are glad to support its efforts." – Beverly Dabney

JPMorgan Chase Foundation

Tweet @FCLFOrg

We're all about staying #healthy ! Here are some healthy foods to enjoy this holiday season… including hot cocoa. https://t.co/GvhD51XBR2
Meet @FCLFOrg borrower Common Ground CDC @CGCDLW, providing a connection to the arts for children and youth in a lo… https://t.co/4sNnqlESda
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.