if the ftp username and password it's specific to each user then you can make the links like this
ftp://user:[email protected]er.com/fileToDownload.zipif the ftp username and password it's yours and you do not need the user to know it then you can make a link to a php file that will stream the file to the user so the script will connect to the ftp and read the file and sendit to the user
depending on the size of the file this can be done in many ways
for a small file <20 mb you can do somenthing like this