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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

Habitat for Humanity of Lee and Hendry Counties

Habitat for Humanity of Lee and Hendry County has provided affordable homes for 30+ years.

SCLAD, Spinal Cord Living Assistance

Spinal Cord Living Assistance Development, SCLAD, provides affordable housing and services for persons with disabilities. 

SailFuture

SailFuture provides youth in foster care with a home, an education, and opportunity to foster relationships and plan their future.

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 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

“FCLF addresses local community needs, which aligns with our core values. We appreciate your commitment to our communities.” – Mellissa Slover-Athey, Comm Reinv Ofcr

CenterState Bank

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

JPMorgan Chase Foundation

"Our partnership with FCLF helps the American Dream of homeownership come true." – Michael Roberts, Exec Dir

R.E.A.C.H.

"We're thrilled to partner with FCLF to make our project a reality to serve generations of kids in our community." – Dawn Stanhope, President & CEO

Boys & Girls Clubs of Manatee County

"FCLF was instrumental in making this important project a reality, bringing us one step closer to ending chronic homelessness in Miami-Dade County." – Dr. Paul A. Ahr, President & CEO

Camillus House

"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 look forward to continuing our successful relationship with FCLF and working together to meet the needs of our communities." – Nancy Merolla, VP/CRA Officer

Florida Community Bank

"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.

"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

"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

"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

"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.

“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

"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

"The Fathers Table Foundation appreciates the services FCLF provides and the impact on the communities you serve. We believe in your organization and your mission." – Dan Gilardi, President

Fathers Table Foundation

"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.

"Our relationship with FCLF provides the capital to achieve long-lasting impact." – Terri Murray, Exec Dir

Neighborhood Renaissance

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

Sabadell United Bank

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Bill filed to define “Tiny Homes” in Florida law https://t.co/9YsguHYr3O via @bungalower
Armature Works in Tampa celebrates one-year anniversary this weekend. Great project that brings #healthyfoods, loca… https://t.co/6fxhWOklo2
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.