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    LEADING CAPITAL
    to maximize opportunities across Florida.

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    SUCCESSFUL OUTCOMES through $407 million in financing.

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    SOCIAL IMPACT reaching 492,000 Floridians every year.

Success Stories from FCLF Partners

Habitat for Humanity Greater Orlando & Osceola County

FCLF financing will help Habitat for Humanity Greater Orlando & Osceola County build new, affordable homes.

Docked Living

With financing from FCLF, Docked Living provides innovative, affordable rental housing in St. Petersburg, Florida.

South Florida Community Land Trust

South Florida Community Land Trust provides homebuyer education and affordable housing, with FCLF construction financing.

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.

"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…

"Our partnership with FCLF allows us to build an attractive, state of the art facility that patients, staff, and community will be proud of." – Bakari Burns, President-CEO

Orange Blossom Family Health

"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.

"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 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

"BankUnited understands the challenges facing our communities; we applaud FCLF's efforts. Thank you for making our community a better place to live." – Katrina Wright, VP Comm. Dev.

BankUnited

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

JPMorgan Chase Foundation

“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 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.

"Without FCLF's support, we would not have been able to deliver the services our area so desperately needs. We look forward to a lifetime relationship." – Tom Griffin, CEO

The Transition House, Inc.

"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.

"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

"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 consider FCLF a valued partner and strong advocates for low-income communities and families. We look forward to many more years of working together." – Jennifer Westerbeck, Vice President

US Bancorp CDC

“FCLF will help us have significant ongoing impact in West Lakes as we help families set roots in this community.” – Camille Reynolds, Executive Director

Hannibal Square CLT

"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

"FCLF understood our context, embraced the project vision, and were willing to make an investment that others deemed as too risky." – Lynn Brockwell-Carey, Executive Director

Brevard Neighborhood Development Coaliti…

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

BBVA Compass

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

Neighborhood Renaissance

"FCLF demonstrates a mission-oriented philosophy that is compatible and supportive, broadens our platform and deepens our portfolio of products and services." – Kent Adcock, CEO

Habitat for Humanity of Lake-Sumter

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Core Purpose FCLF exists to maximize opportunities for people and places outside of the economic mainstream.
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.