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 2020
CFHC LW Ribbon 430x287

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.
Sign Up for our Newsletter
 

Our History

FCLF Board c1999 430 287
FCLF was founded in 1994 to provide a statewide source of flexible financing and help build strong communities.

Our Impact

ASPIRA EMH constr 430 287
All FCLF-financed projects have a direct social impact on the low-income communities we serve.

Downloads and Resources

financials on desk 430x287
Need additional information? Here are PDF documents and links to affiliated organizations.

Our Staff

Executive Team:

Esteban Ig 2015.18
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
Black N 2016.18
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
Beaton J 2016
Joy Beaton
Director of Government Relations
read bio | This email address is being protected from spambots. You need JavaScript enabled to view it. | 941.360.1445

Team Members:

Baldwin K 2014.18
Kelly Baldwin
Loan Portfolio Analyst
read bio | This email address is being protected from spambots. You need JavaScript enabled to view it. | 407.413.9482
Bailey C 2014.18
Carelle Bailey
Finance Associate
read bio | This email address is being protected from spambots. You need JavaScript enabled to view it. | 407.413.9479
deGuehery J 2018 12
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
Holtrey S 2013.18
Susan Holtrey
Loan Portfolio Manager
read bio | This email address is being protected from spambots. You need JavaScript enabled to view it. | 407.413.9236
Luce A 2019
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 2016.18
Willa Maddox
Grants Coordinator
read bio | This email address is being protected from spambots. You need JavaScript enabled to view it. | 407.347.6438
Polk J 2017.18
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
Dwayne Rankin
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
Rollason R 2015.18
Rich Rollason
Development Officer
read bio | This email address is being protected from spambots. You need JavaScript enabled to view it. | 407.413.9215
Ross C 2012.18
Cindy Ross
Community Development Loan Officer
read bio | This email address is being protected from spambots. You need JavaScript enabled to view it. | 813.789.3835
Simmons R 2015.18
Randall Simmons
Controller
read bio | This email address is being protected from spambots. You need JavaScript enabled to view it. | 407.413.9268
Thompson C 2015.18
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 2018
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.

FCLF Board 2016 09 430x287
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.