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. Learn more about Our Impact.
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. Learn more about Borrowing from FCLF.
FCLF exists to maximize opportunities for people and places outside of the economic mainstream.
Opportunity and dignity exist for every person and community in Florida.
Our expertise and capital make projects succesful and help organizations improve lives and communities.
Ignacio Esteban is Chief Executive Officer of the Florida Community Loan Fund, a statewide nonprofit community development financial institution providing capital and expertise to help community development projects succeed throughout Florida. Mr. Esteban joined the organization in 1997 and has led the organization since 2000; during that time FCLF has increased its financing from $2.3 million to $560 million including NMTC financing. Mr. Esteban develops and executes strategic direction and oversees the lending, finance, government relations, marketing, and development functions of the organization. Esteban has 27+ years of experience at the local, state and national level in the field of community development finance. Former Board Chair for Opportunity Finance Network, he serves and has served on Community Advisory Committees and NMTC Advisory Committees for several major banks. He was appointed by Orange County Mayor Jerry Demings to the Housing for All Task Force that recommended a 10 year housing strategy. A native of Puerto Rico, Mr. Esteban earned a degree in Finance and Business Administration from the University of Central Florida, and holds an MBA from Rollins College, where he was the 2005 recipient of the Martin L. Bell Scholarship.