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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Attn @FCLFOrg current borrowers: Hurricane Ian Recovery Loan Program is open. Check your availability & how to appl… https://t.co/xBpHaYtUqY
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https://t.co/e6ebJPZHyP has a list of Hurricane Ian recovery resources on their website: https://t.co/ENoqObi4h4 https://t.co/xt5CE4NnHV
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Our Staff

Executive Team:

Esteban Ig 2015.18
Ignacio Esteban
Chief Executive Officer
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Nelson Black, Chief Lending Officer
Nelson Black
Chief Lending Officer
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Thomas T 2017.18
Tammy Thomas
Chief Financial Officer
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Beaton J 2016
Joy Beaton
Director of Government Relations
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Team Members:

Bailey C 2014.18
Carelle Bailey
Finance Associate
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Janet de Guehery, FCLF Comms-Marketing Manager
Janet de Guehery
Communications & Marketing Manager
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Alicia Garcia, FCLF Executive Assistant - Office Manager
Alicia Garcia
Executive Assistant & Office Manager
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Mike Jones
Michael Jones
Community Development Loan Officer
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Luce A 2019
Angela Kisling
Loan Portfolio Administrator
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Maddox W 2016.18
Willa Maddox
Grants Coordinator
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Anna Upchurch Pernell
Anna Upchurch Pernell
Community Development Loan Officer
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Polk J 2017.18
Jessica Polk
Loan Portfolio Administrator
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FCLF Staff, Jennifer Rainey
Jennifer Rainey
Loan Portfolio Manager
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Narine Ramtahal, Loan Portfolio Administrator
Narine Ramtahal
Loan Portfolio Administrator
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Dwayne Rankin
Dwayne Rankin
Community Development Loan Officer
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Rollason R 2015.18
Rich Rollason
Development Officer
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Ross C 2012.18
Cindy Ross
Community Development Loan Officer
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Simmons R 2015.18
Randall Simmons
Controller
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Sylvie Suzanne, Loan Portfolio Administrator
Sylvie Suzanne
Loan Portfolio Administrator
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Thompson C 2015.18
Christian Thompson
Loan Portfolio Administrator
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Walker J 2018
Jim Walker
Community Development Loan Officer
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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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"FCLF shows a clear strategy and demonstrated evidence of addressing prevalent community needs." – J. Reymundo Ocañas, Director, Corp Responsibility

BBVA Compass

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

Sabadell United Bank

“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

“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

"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

"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

"We commend the important work of your organization, are glad to support its efforts." – Beverly Dabney

JPMorgan Chase Foundation

"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 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 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’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

"FCLF understood our context, embraced the project vision, and were willing to make an investment that others deemed as too risky." – Lynn Brockwell-Carey, Executive Director

Neighbor Up Brevard

"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

“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

"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

“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 provides stability for families, strengthens the region, and helps Truist fulfill our purpose to inspire and build better lives and communities." – Sandy Hostetter, Central Florida Region P

Truist

"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'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

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.