Nonprofit · EIN 65-0545058
FLORIDA COMMUNITY LOAN FUND
Tax-exempt · ORLANDO, FL 32803
Financials
| Year ended | Form | Revenue | Expenses | Net income | Total assets | Liabilities | Net assets |
|---|---|---|---|---|---|---|---|
| June 30, 2025 | 990 | $24,762,536 | $11,187,456 | $13,575,080 | $209,733,676 | $136,470,755 | $73,262,921 |
| June 30, 2024 | 990 | $14,629,383 | $7,625,492 | $7,003,891 | $179,958,433 | $119,829,342 | $60,129,091 |
| June 30, 2023 | 990 | $15,185,807 | $8,106,997 | $7,078,810 | $147,904,543 | $94,522,198 | $53,382,345 |
Financial details: 990 for the year ended June 30, 2025
Revenue
- Contributions, gifts and grants
- $13,025,586
- of which government grants
- $1,877,500
- Program service revenue
- $10,905,790
- Investment income
- $831,160
- Net gain from sales of assets
- $58,601
- Other revenue
- $0
Expenses
- Grants and similar amounts paid
- $0
- Compensation of officers, directors and key employees
- $935,753
- Other salaries and wages
- $1,944,573
- Salaries, compensation and benefits (total)
- $3,547,145
- Professional fundraising fees
- $0
- Legal fees
- $51,513
- Accounting fees
- $60,100
- Occupancy
- $330,572
- Depreciation
- $42,979
- Program services (functional)
- $9,422,015
- Management and general (functional)
- $1,477,565
- Fundraising (functional)
- $287,876
Balance sheet and other
- Total assets, start of year
- $179,958,433
- Total assets, end of year
- $209,733,676
- Total liabilities, end of year
- $136,470,755
- Net assets, end of year
- $73,262,921
- Land, buildings and equipment
- $234,622
- Publicly traded securities
- $377,196
- Net assets without donor restrictions
- $63,383,957
- Net assets with donor restrictions
- $9,878,964
- Gross receipts
- $31,835,976
- Employees
- 21
- Volunteers
- 20
- Year formed
- 1994
- State of legal domicile
- FL
From the e-filed returns the IRS publishes as XML (latest three processing years; amended returns replace the original). PDF copies at the IRS.
Officers, directors and key employees
As listed on the 990 for the year ended June 30, 2025, highest compensation first.
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| TAMMY THOMAS | CHIEF FINANCIAL OFFICER Officer | 40 | $327,033 | $21,953 |
| NELSON BLACK | CHIEF LENDING OFFICER Key employee | 40 | $327,952 | $21,018 |
| IGNACIO ESTEBAN | CHIEF EXECUTIVE OFFICER Officer | 40 | $314,561 | $28,254 |
| LORI CRANE | CHIEF OPERATING OFFICER Highest-paid employee | 40 | $253,962 | $15,346 |
| JAMES WALKER | SR COMM DEV LOAN OFFICER Highest-paid employee | 40 | $178,489 | $27,581 |
| JENNIFER RAINEY | LOAN PORTFOLIO MANAGER Highest-paid employee | 40 | $163,240 | $26,190 |
| JANET DEGUEHERY | COMM & MKG MGR Highest-paid employee | 40 | $151,919 | $21,000 |
| DWAYNE RANKIN | COMM DEV LOAN OFFICER Highest-paid employee | 40 | $134,840 | $21,696 |
| TINA BROWN | CHAIR Trustee or director, Officer | 2 | $0 | $0 |
| GERMAINE SMITH-BAUGH | VICE CHAIR Trustee or director, Officer | 1.5 | $0 | $0 |
| LAUREN BUTLER | 2ND VICE CHAIR Trustee or director, Officer | 1.5 | $0 | $0 |
| VICTOR RIVERA | SECRETARY Trustee or director, Officer | 1.5 | $0 | $0 |
| ALECIA DILLON | TREASURER Trustee or director, Officer | 1.5 | $0 | $0 |
| ALFRED ARZUAGA | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| ANNIE NEASMAN | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
4 more people on this return
| Name | Title | Hours / week | Compensation |
|---|---|---|---|
| CLAIRE RALEY | BOARD MEMBER Trustee or director | 1 | $0 |
| DAVID R PUNZAK | BOARD MEMBER Trustee or director | 1.5 | $0 |
| ERNEST CONEY | BOARD MEMBER Trustee or director | 1 | $0 |
| JOHN TALMAGE | BOARD MEMBER Trustee or director | 1 | $0 |
990 for the year ended June 30, 2024: 22 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| IGNACIO ESTEBAN | CHIEF EXECUTIVE OFFICER Officer | 40 | $361,409 | $27,804 |
| NELSON BLACK | CHIEF LENDING OFFICER Key employee | 40 | $305,615 | $21,000 |
| TAMMY THOMAS | CHIEF FINANCIAL OFFICER Officer | 40 | $305,438 | $19,862 |
| JAMES WALKER | SR COMM DEV LOAN OFFICER Highest-paid employee | 40 | $167,410 | $26,569 |
| JENNIFER RAINEY | LOAN PORTFOLIO MANAGER Highest-paid employee | 40 | $154,413 | $25,245 |
| JANET DEGUEHERY | COMM & MKG MGR Highest-paid employee | 40 | $144,193 | $21,000 |
| DWAYNE RANKIN | COMM DEV LOAN OFFICER Highest-paid employee | 40 | $128,213 | $19,869 |
| ANNA PERNELL | COMM DEV LOAN OFFICER Highest-paid employee | 40 | $123,508 | $20,602 |
| ALECIA DILLON | TREASURER (INCOMING) Trustee or director, Officer | 1.5 | $0 | $0 |
| CLAIRE RALEY | CHAIR (OUTGOING), BOARD MEMBER Trustee or director, Officer | 1.5 | $0 | $0 |
| GERMAINE SMITH-BAUGH | VICE CHAIR Trustee or director, Officer | 1.5 | $0 | $0 |
| JUDITH RIMBEY | TREASURER, BOARD MEMBER (OUTGOING) Trustee or director, Officer | 1.3 | $0 | $0 |
| TINA BROWN | CHAIR (INCOMING) Trustee or director, Officer | 2 | $0 | $0 |
| VICTOR RIVERA | SECRETARY Trustee or director, Officer | 1.5 | $0 | $0 |
| ALFRED ARZUAGA | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| ANA CASTILLA | BOARD MEMBER (OUTGOING) Trustee or director | 0.5 | $0 | $0 |
| ANNIE NEASMAN | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| DAVID R PUNZAK | BOARD MEMBER Trustee or director | 1.5 | $0 | $0 |
| ERNEST CONEY | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| JACK HUMBURG | BOARD MEMBER (OUTGOING) Trustee or director | 1.5 | $0 | $0 |
| JOHN TALMADGE | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| LAUREN BUTLER | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
990 for the year ended June 30, 2023: 21 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| IGNACIO ESTEBAN | CHIEF EXECUTIVE OFFICER Officer | 40 | $309,422 | $26,542 |
| NELSON BLACK | CHIEF LENDING OFFICER Officer | 40 | $258,604 | $19,600 |
| TAMMY THOMAS | CHIEF FINANCIAL OFFICER Officer | 40 | $257,030 | $17,920 |
| JOY BEATON | DIR OF GOV'T RELATIONS Key employee | 40 | $197,145 | $18,100 |
| JAMES WALKER | COMM DEV LOAN OFFICER Highest-paid employee | 40 | $150,747 | $20,403 |
| JANET DEGUEHERY | COMM & MKG MGR Highest-paid employee | 40 | $132,040 | $19,600 |
| JENNIFER RAINEY | LOAN PORTFOLIO MANAGER Highest-paid employee | 40 | $129,399 | $20,248 |
| DWAYNE RANKIN | COMM DEV LOAN OFFICER Highest-paid employee | 40 | $117,486 | $20,020 |
| RANDALL SIMMONS | CONTROLLER Highest-paid employee | 40 | $117,879 | $19,600 |
| CLAIRE RALEY | CHAIR Trustee or director, Officer | 2 | $0 | $0 |
| MARILYN DRAYTON | VICE-CHAIR (UNTIL 2/23) Trustee or director, Officer | 1.5 | $0 | $0 |
| GERMAINE SMITH-BAUGH | 2ND VICE CHAIR Trustee or director, Officer | 1.5 | $0 | $0 |
| JUDITH RIMBEY | TREASURER, BOARD MEMBER Trustee or director, Officer | 2 | $0 | $0 |
| VICTOR RIVERA | SECRETARY Trustee or director, Officer | 1.5 | $0 | $0 |
| ANA CASTILLA | BOARD MEMBER Trustee or director | 0.5 | $0 | $0 |
| ANNIE NEASMAN | BOARD MEMBER Trustee or director | 0.5 | $0 | $0 |
| DAVID R PUNZAK | BOARD MEMBER Trustee or director | 0.5 | $0 | $0 |
| ERNEST CONEY | BOARD MEMBER Trustee or director | 0.5 | $0 | $0 |
| JACK HUMBURG | BOARD MEMBER Trustee or director | 1.5 | $0 | $0 |
| JOHN TALMADGE | BOARD MEMBER Trustee or director | 0.5 | $0 | $0 |
| TINA BROWN | BOARD MEMBER Trustee or director | 1.5 | $0 | $0 |
Address and contacts
- Address (IRS master file)
- 800 N MAGNOLIA AVE STE 106, ORLANDO, FL 32803-3274
- Principal officer (990 for 2024)
- IGNACIO ESTEBAN, 800 N MAGNOLIA AVE 106, ORLANDO, FL 32803
- Signed the 990
- TAMMY THOMAS, CHIEF FINANCIAL OFFICER
- Phone
- (407) 246-0846
- Website
- WWW.FCLF.ORG
- Return prepared by
- COHNREZNICK ADVISORY LLC
Mission
VISION: OPPORTUNITY AND DIGNITY EXIST FOR EVERY PERSON AND COMMUNITY IN FLORIDA.MISSION: OUR EXPERTISE AND CAPITAL MAKE PROJECTS SUCCESSFUL AND HELP ORGANIZATIONS IMPROVE LIVES AND COMMUNITIES.TO PROVIDE LOANS AND TECHNICAL ASSISTANCE TO NONPROFIT ORMISSION-FOCUSED FOR-PROFIT ORGANIZATIONS TO DEVELOP AFFORDABLE HOUSING,SUPPORTIVE HOUSING (WHICH INCLUDES SOCIAL SERVICES FOR RESIDENTS),COMMUNITY FACILITIES, AND ECONOMIC DEVELOPMENT PROJECTS THAT HAVE ADIRECT AND MEASURABLE IMPACT TO LOW INCOME PERSONS THROUGHOUT THE STATEOF FLORIDA.
Program accomplishments
- TO PROVIDE LOANS AND TECHNICAL ASSISTANCE TO NONPROFIT OR MISSION-FOCUSED FOR-PROFIT ORGANIZATIONS TO DEVELOP AFFORDABLE HOUSING, SUPPORTIVE HOUSING (WHICH INCLUDES SOCIAL SERVICES FOR RESIDENTS), COMMUNITY FACILITIES, AND ECONOMIC DEVELOPMENT PROJECTS THAT HAVE A DIRECT AND MEASURABLE IMPACT TO LOW INCOME PERSONS THROUGHOUT THE STATE OF FLORIDA.Expenses $9,422,015 · revenue $10,905,790
What it must file and when
IRS records say it files Form 990 or 990-EZ. Based on its last return; a smaller organization may file the 990-N. Its accounting year ends in June, so each return is due on the 15th day of the 5th month after that.
| Tax year | Year ended | Due | IRS public records |
|---|---|---|---|
| 2025 | June 30, 2026 | November 16, 2026 | Not due yet |
| 2024 | June 30, 2025 | November 17, 2025 | 990 on file |
| 2023 | June 30, 2024 | November 15, 2024 | 990 on file |
IRS record
- EIN
- 65-0545058
- Tax-exempt status
- 501(c)(3): Charitable, religious, educational or scientific organization
- Foundation status
- Publicly supported organization (170(b)(1)(A)(vi))
- Donations deductible (Pub 78)
- Public charity, 50% deduction limit
- Exempt since
- 1995
- Accounting year ends
- June
- Files
- Form 990 or 990-EZ
- Category (NTEE)
- Community improvement and capacity building (S31)
- Assets (IRS master file)
- $209,733,676
- Income (IRS master file)
- $31,835,976
Filing history
| Form | Year ended | Revenue | Expenses | Assets | Return |
|---|---|---|---|---|---|
| 990 | June 2025 | $24,762,536 | $11,187,456 | $209,733,676 | IRS |
| 990 | June 2024 | $14,629,383 | $7,625,492 | $179,958,433 | IRS |
| 990 | June 2023 | $15,185,807 | $8,106,997 | $147,904,543 | XML |
| 990 | June 2022 | $9,380,993 | $5,352,341 | $127,872,101 | IRS |
| 990 | June 2021 | – | – | – | IRS |
| 990 | June 2020 | – | – | – | IRS |
| 990 | June 2019 | – | – | – | IRS |
| 990 | June 2018 | – | – | – | IRS |
990-N: the IRS bulk file holds only the latest e-Postcard per organization; earlier years come from archived copies of that file since 2020 and can have gaps (the IRS e-Postcard search lists every one). 990, 990-EZ, 990-PF, 990-T: every e-filed return in the IRS e-file index since 2019; XML for the latest three processing years, amounts from the IRS Statistics of Income extracts before that. PDF copies and determination letters at the IRS (search EIN 65-0545058).
Questions about FLORIDA COMMUNITY LOAN FUND
- What is the EIN of FLORIDA COMMUNITY LOAN FUND?
- The employer identification number (EIN) of FLORIDA COMMUNITY LOAN FUND is 65-0545058.
- Is FLORIDA COMMUNITY LOAN FUND tax-exempt?
- Yes. The IRS lists it as tax-exempt under section 501(c)(3) since 1995.
- Are donations to FLORIDA COMMUNITY LOAN FUND tax-deductible?
- Yes. It is listed in IRS Publication 78 (Public charity, 50% deduction limit).
- Which annual return does FLORIDA COMMUNITY LOAN FUND file?
- Form 990 or 990-EZ. Based on its last return; a smaller organization may file the 990-N.
- When is the next return of FLORIDA COMMUNITY LOAN FUND due?
- The return for tax year 2025 (the year ending June 30, 2026) is due November 16, 2026. Form 8868 extends it by six months; the 990-N cannot be extended.
- When did FLORIDA COMMUNITY LOAN FUND last file with the IRS?
- The latest return in the IRS public files is the 990 for the year ended June 2025.
- Who is the principal officer of FLORIDA COMMUNITY LOAN FUND?
- The 990 for the year ended June 30, 2025 names IGNACIO ESTEBAN.
- Who are the officers and directors of FLORIDA COMMUNITY LOAN FUND?
- The 990 for the year ended June 30, 2025 lists 19 people; 8 received compensation from the organization, the highest $327,033 (TAMMY THOMAS, CHIEF FINANCIAL OFFICER).
- How much revenue does FLORIDA COMMUNITY LOAN FUND have?
- On its 990 for the year ended June 30, 2025 it reported revenue of $24,762,536, expenses of $11,187,456 and total assets of $209,733,676 at year end.
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All nonprofits in ORLANDO · Florida · Community improvement and capacity building