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

It's true - FCLF will offer PPP starting next week. Watch our website or sign up for our email announcement… https://t.co/fvctIXKrpW
retweet favorite
Construction is coming along on the new @OYCMiami , financed through @FCLFOrg & #NMTC. 175 jobs created; 2400 yout… https://t.co/xatIruaJRI
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

"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

"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

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

Sister Mary Heyser, RSHM

"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 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

"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

"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.

"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

"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

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

Residential Options of Florida

“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 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

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

Neighborhood Renaissance

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

Metropolitan Ministries

"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

“Expanding our facility with NMTC financing provides the Overtown community resources necessary to provide a fighting chance to break down barriers and break the cycles of poverty.” – Tina Brown, CEO

Overtown Youth Center

“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

"Our partnership with FCLF helps the American Dream of homeownership come true." – Michael Roberts, Exec Dir

R.E.A.C.H.

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.