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    LEADING CAPITAL
    to maximize opportunities across Florida.

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    SUCCESSFUL OUTCOMES through $642 million in financing.

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    SOCIAL IMPACT reaching 2 million Floridians every year.

Success Stories from FCLF Partners

Gardens of Homestead

Gardens of Homestead Apartments offer affordable housing in South Miami-Dade County.

Town of Greenville

The Town of Greenville is implementing its economic development plan with financing from FCLF.

Colonnade Park

Colonnade Park, developed by Green Mills Group, brings affordable housing to Citrus County.

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 Ignacio 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 $560 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 26 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 and has served on Community Advisory Committees and NMTC Advisory Committees for several major banks. He was appointed by Orange County Mayor Jerry Demings to the Housing for All Task Force that recommended a 10 year housing strategy for the County. He is a board member of the Community Resource Network, and 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…

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

JPMorgan Chase 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.

"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

“The collaboration with FCLF and using NMTC financing allows us to bring the most ambitious projects to life to benefit the communities we serve.” – Elodie Dorso, President & CEO

Community Health Centers of Pinellas

"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

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

Sister Mary Heyser, RSHM

“We are proud to partner with FCLF on this project, which expands access to innovative, quality, comprehensive primary healthcare in our communities.” – Annie Neasman, President & CEO

Jessie Trice Community Health

"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

“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 is a difference maker! Their team provides solutions to bring about real change in a community." – Tim Marks, President & CEO

Metropolitan Ministries

“FCLF is much more than a financing entity; they are the ultimate partner. They are on the front line protecting and building resources for the most vulnerable in our community."– Seth Eisenberg

Purpose Built Families Foundation

"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 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

"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

“Thanks to FCLF we’re able to provide brand-new safe, affordable homes for 90 families in a sustainable mixed-use, mixed-income community." – Mitchell Rosenstein, Founder & Principal

Green Mills Group

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

Sabadell United Bank

“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

"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 provides stability for families, strengthens the region, and helps Truist fulfill our purpose to inspire and build better lives and communities." – Sandy Hostetter, Central Florida Region P

Truist

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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.