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 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.

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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
 
   
Janet de Guehery, FCLF Comms-Marketing Manager
  Jamaal R. Dickens
  Director of Finance
  read bio | This email address is being protected from spambots. You need JavaScript enabled to view it. | 407.641.4231
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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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.

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“Our partnership with FCLF makes an enormous difference in overcoming the challenge of providing affordable housing." – Jo Ann Nesbitt, President/CEO

St. Jude Great Commission CDC

“Thank you so very much for the exceptional services. We truly value FCLF’s contributions to furthering our mission." – Michael L. Bean, CEO

Housing Authority of Brevard County

"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

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

Sabadell United Bank

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

Residential Options of Florida

"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

"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

"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

"Trinity Health is happy to partner with FCLF. We look forward to seeing the impact in the communities you serve." – Sr. Kathleen Coll, SSJ, Administrator, Shareholder Advocacy

Trinity Health

"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'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 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

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

Metropolitan Ministries

"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 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.

"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

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

Sister Mary Heyser, RSHM

“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

“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

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.