About Us

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.

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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.

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 Ig 2015.18
Ignacio Esteban
Chief Executive Officer
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Black N 2016.18
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:

Baldwin K 2014.18
Kelly Baldwin
Loan Portfolio Analyst
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Bailey C 2014.18
Carelle Bailey
Finance Associate
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deGuehery J 2016.18
Janet de Guehery
Communications & Marketing Manager
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Gardner N 2014.18
Nanci Gardner
Loan Portfolio Administrator
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Holtrey S 2013.18
Susan Holtrey
Loan Portfolio Manager
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Angela Luce
Loan Portfolio Administrator
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Maddox W 2016.18
Willa Maddox
Grants Coordinator
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Polk J 2017.18
Jessica Polk
Loan Portfolio Administrator
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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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Spataro G 2018
Geoff Spataro
Executive Assistant
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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 is a difference maker! Their team provides solutions to bring about real change in a community." – Tim Marks, President & CEO

Metropolitan Ministries

"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…

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

JPMorgan Chase Foundation

"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

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

BBVA Compass

"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

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

R.E.A.C.H.

"FCLF made it possible for us to provide many special needs and low-income students with the educational services that they need." – Charlotte Tollefson, Director & Founder

Woodlawn Community Academy

"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.

"I recommend FCLF for attracting investment to the Florida Preservation Fund... I believe that says something about investor comfort." – Nancy Muller, Policy Director

Florida Housing Finance Corp.

"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.

“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

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

Sabadell United Bank

"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 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

"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

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

Sister Mary Heyser, RSHM

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

Dignity Health

FCLF Videos

View video testimonials from FCLF partners.
  • 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
  • FCLF and CFHC: Building Blocks for Low Income Healthcare
  • FCLF, Reflecting on the Past, Shaping the Future
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.