About Us

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.

Tweet @FCLFOrg

Data from mobile apps - like Yelp - could help identify food deserts, locate #healthyfoods, and guide health policy. https://t.co/mNhNHyvmlj
retweet favorite
It takes a lot of #NMTC partners, like Applegate & Thorne-Thomsen, to make a project like @OYCMiami happen! https://t.co/qJZDfvG28x
retweet favorite

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

Contact Us

FCLF serves communities throughout Florida with a system of statewide offices. Call or email to start on the path to partner with us.

phone icon blue 2018 407.246.0846

"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

"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

"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

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

Neighborhood Renaissance

"Aida Palms will be a lasting asset to the City of Lakeland. This revitalization wouldn't be possible without financing partners like FCLF." – Mitchell Rosenstein, Principal, Green Mills Group

Aida Palms

"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 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

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

Metropolitan Ministries

"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

"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…

"FCLF has proven its community impact and hard work. We are proud to partner with FCLF." – Leslie Watson, Analyst, Community Investments

Dignity Health

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

Sister Mary Heyser, RSHM

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

BBVA Compass

"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

"Without the FCLF initial loan to purchase land, we might not have been able to move forward with farmworker housing." – Peter Routsis-Arroyo, CEO, Catholic Charities, Diocese of Venice

Casa San Juan Bosco

"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

"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.

“Thanks to FCLF adults with disabilities are living independently, fully included in their community." – Sheryl Soukup, Exec Dir

Residential Options of Florida

“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 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

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.