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 2019
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.

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

Pharmacists can encourage good nutrition and #healthyfoods to fight disease. "Small steps equal big changes."… https://t.co/nLWLVK0Nc5
retweet favorite
RT @OYCMiami: Don’t miss this year’s Black History show! Our students have been working very hard in putting together performances recogni…
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.
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.
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.
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.

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.
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.
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.
Gardner N 2014.18
Nanci Gardner
Loan Portfolio Administrator
read bio | This email address is being protected from spambots. You need JavaScript enabled to view it.
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.
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.
Khan R 2019
Rick Khan
Community Development Loan Officer
read bio | This email address is being protected from spambots. You need JavaScript enabled to view it.
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.
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.
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.
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.
Simmons R 2015.18
Randall Simmons
Controller
read bio | This email address is being protected from spambots. You need JavaScript enabled to view it.
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.
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.

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 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

"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

"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.

"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

"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

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

Sister Mary Heyser, RSHM

“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

"I appreciate FCLF for lending in rural areas, where many other lenders are exiting. From the first moment we spoke with FCLF staff, we felt we had a partner." – Jamie Kerr, President, AMCS Dev.

Griffin Heights

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

Neighborhood Renaissance

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

Dignity Health

"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

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

BBVA Compass

"We couldn't achieve our mission of creating strong neighborhoods without FCLF's help. Their staff is always friendly, quick to respond, and efficient." – Bonnye Deese, Executive Director

BAND

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

Metropolitan Ministries

"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

"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

“FCLF addresses local community needs, which aligns with our core values. We appreciate your commitment to our communities.” – Mellissa Slover-Athey, Comm Reinv Ofcr

CenterState Bank

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

Sabadell United Bank

FCLF Videos

View video testimonials from FCLF partners.
  • Florida Community Loan Fund & Evans Center, Providing Fresh Food & Healthcare in Brevard County FL
  • Florida Community Loan Fund & Ability Housing, Providing Affordable Homes to Florida's Communities
  • Florida Community Loan Fund and Orange Blossom Family Health, Bringing Healthcare to FL Communities
  • Florida Community Loan Fund and R.E.A.C.H. Strengthening Communities in South Florida
  • Florida Community Loan Fund helped Boys & Girls Clubs of Manatee County with New Markets Tax Credits
  • FCLF and Operation New Hope, Restoring Jacksonville’s Springfield Community
  • FCLF and SW Florida Collaboratory, Bringing Stability to a Fort Myers Neighborhood
  • FCLF and CDC of Tampa, Stability in East Tampa Neighborhoods
  • FCLF and The Transition House: Building Blocks for U.S. Veterans
  • FCLF and Wendover Housing: Building Blocks for An Aging Population
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.