Our 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.

FCLF Our Impact 2022
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About FCLF

Florida Community Loan Fund (FCLF) is a statewide Community Development Financial Institution (CDFI). Established in 1994 as a 501(c)(3), we are a mission-based nonprofit organization dedicated to improving low-income communities throughout Florida by delivering flexible financing and staff expertise.

Our lending provides various types of financing to meet the needs of nonprofit organizations and mission-based for-profit organizations that develop affordable housing, supportive housing, community facilities, and economic development projects. This financing can include loans for new construction, preservation, rehab, acquisition, lines of credit, and/or longer term permanent financing.

Our financing is made possible by FCLF's strong track record of performance and partnership with investors. These investors include foundations, religious organizations, financial institutions, government entities, trade associations, corporations and individuals – all of which support FCLF's mission in various ways. Their support includes permanent capital contributions, debt capital investments, equity equivalent investments, and general operating support contributions.

We invite you to learn more about the Florida Community Loan Fund by exploring our website and joining our email list, and to contact us if you have additional questions.
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Our History

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FCLF was founded in 1994 to provide a statewide source of flexible financing and help build strong communities.

Our Impact

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All FCLF-financed projects have a direct social impact on the low-income communities we serve.

Downloads and Resources

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Need additional information? Here are PDF documents and links to affiliated organizations.

Our Staff

Executive Team:

Esteban I 2022
  Ignacio Esteban
  Chief Executive Officer
  read bio | This email address is being protected from spambots. You need JavaScript enabled to view it. | 407.413.9505
Nelson Black, Chief Lending Officer
  Nelson Black
  Chief Lending Officer
  read bio | This email address is being protected from spambots. You need JavaScript enabled to view it. | 813.223.7400
Thomas T 2017.18
  Tammy Thomas
  Chief Financial Officer
  read bio | This email address is being protected from spambots. You need JavaScript enabled to view it. | 407.413.9502

Team Members:

Bailey C
  Carelle Bailey
  Finance Associate
  read bio | This email address is being protected from spambots. You need JavaScript enabled to view it. | 407.413.9479
Janet de Guehery, FCLF Comms-Marketing Manager
  Janet de Guehery
  Communications & Marketing Manager
  read bio | This email address is being protected from spambots. You need JavaScript enabled to view it. | 407.413.9417
Jones M
  Michael Jones
  Community Development Loan Officer
  read bio | This email address is being protected from spambots. You need JavaScript enabled to view it. | 407.543.6208
Kisling A
  Angela Kisling
  Loan Portfolio Administrator
  read bio | This email address is being protected from spambots. You need JavaScript enabled to view it. | 407.807.0323
Maddox W
  Willa Maddox
  Grants Coordinator
  read bio | This email address is being protected from spambots. You need JavaScript enabled to view it. | 407.347.6438
Pernell A
  Anna Upchurch Pernell
  Community Development Loan Officer
  read bio | This email address is being protected from spambots. You need JavaScript enabled to view it. | 407.807.0304
Polk J
  Jessica Polk
  Loan Portfolio Administrator
  read bio | This email address is being protected from spambots. You need JavaScript enabled to view it. | 407.298.7784
Rainey J
  Jennifer Rainey
  Loan Portfolio Manager
  read bio | This email address is being protected from spambots. You need JavaScript enabled to view it. | 407.413.9482
Ramtahal N
  Narine Ramtahal
  Loan Portfolio Administrator
  read bio | This email address is being protected from spambots. You need JavaScript enabled to view it. | 407.329.3898
Rankin D
  Dwayne Rankin
  Community Development Loan Officer
  read bio | This email address is being protected from spambots. You need JavaScript enabled to view it. | 813.784.2636
Riley S
  Shanté Riley
  Executive Assistant & Office Manager
  read bio | This email address is being protected from spambots. You need JavaScript enabled to view it. | 407.413.9271
Rollason R
  Rich Rollason
  Development Officer
  read bio | This email address is being protected from spambots. You need JavaScript enabled to view it. | 407.413.9215
Simmons R
  Randall Simmons
  Controller
  read bio | This email address is being protected from spambots. You need JavaScript enabled to view it. | 407.413.9268
Suzanne S
  Sylvie Suzanne
  Loan Portfolio Administrator
  read bio | This email address is being protected from spambots. You need JavaScript enabled to view it. | 407.413.9236
Thompson C
  Christian Thompson
  Loan Portfolio Administrator
  read bio | This email address is being protected from spambots. You need JavaScript enabled to view it. | 407.347.6234
Walker J
  Jim Walker
  Community Development Loan Officer
  read bio | This email address is being protected from spambots. You need JavaScript enabled to view it. | 954.306.9852

FCLF Board and Committees

Meet the Florida Community Loan Fund Board and Standing Committee members. These volunteers come to FCLF from all over the state and represent FCLF Investors, Borrowers, and Technical Experts.

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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.