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.

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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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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Williams V 2014.18
Valerie Williams
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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"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

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

Metropolitan Ministries

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

BBVA Compass

"We are delighted to partner with you to serve those most in need in our communities." – Eileen S. Coogan, President & CEO

Allegany Franciscan Ministries

"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

"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

"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

"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

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

Sister Mary Heyser, RSHM

"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 was instrumental in making this important project a reality, bringing us one step closer to ending chronic homelessness in Miami-Dade County." – Dr. Paul A. Ahr, President & CEO

Camillus House

"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

"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

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

JPMorgan Chase Foundation

"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

"Our partnership with FCLF will allow 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

"We couldn’t have pulled this project together without FCLF as partners. This is the start of great work in Jacksonville’s historic Springfield district." – Kevin Gay, Exec. Director

Operation New Hope

FCLF Videos

View video testimonials from FCLF partners.
  • 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
  • FCLF, Planning for Florida's Future: CASA St. Petersburg
  • FCLF, Planning for Florida's Future: Housing Programs, Inc., Miami
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.