Jewish Free Loan

Name

Jewish Free Loan

Legal name

Jewish Free Loan

Website

https://jewishfreeloan.org

Company type

Private

Founded year

1949

Operating status

Operating

Headcount range

1–10 employees

Ownership category

akta.pro rank

Product category

Community Lending Services

NAICS

Emergency and Other Relief Services (624230)

SIC

Personal Credit Institutions (6141)

akta.pro primary industry

Emergency & Short-Term Installment Personal Loans (Unsecured) (FSAKAAAH)

Keywords

• Interest-free lending
• Nonprofit microfinance
• Emergency loan programs
• Community lending services
• Charitable financial assistance

Headquarters

HQ city

Phoenix

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Others

Revenue model

1. Donor Contributions: Jewish Free Loan is a non-profit 501(c)(3) organization funded primarily by individual donations. The organization receives charitable contributions through annual campaigns, named loan fund donations, planned gifts, stock donations, IRA distributions, and corporate sponsorships. Donors can also contribute through the Arizona Charitable Tax Credit program, which provides dollar-for-dollar state tax credits.
2. Interest-Free Loan Repayments: While the organization provides interest-free loans, the repayment of principal creates a revolving fund that enables subsequent loans to other community members. This model ensures sustainable impact as repaid funds are re-lent to new beneficiaries.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels9 records

Core offering

Jewish Free Loan provides interest-free loans to members of Arizona's Jewish community who are experiencing financial hardship or seeking to achieve specific life goals. Loan products range from $1,800 emergency loans to $15,000 general purpose loans, with a dedicated Emergency Rent/Eviction Prevention Program and 35+ Named Loan Funds supporting targeted needs such as higher education, healthcare, small business, and Holocaust survivor assistance. The organization supplements lending with community welfare programs including JFL Care Bags and Food and Gas Card distribution.

Product overview

Jewish Free Loan provides interest-free loans and related financial assistance programs to Arizona's Jewish community. The core offerings include General Loans (up to $15,000) for various life needs and Emergency Loans (up to $1,800) for urgent financial relief. The organization operates a portfolio of 35+ Named Loan Funds organized across six categories: Crisis/Emergency, Life Cycle/Jewish Camp & Israel Experiences, Education (Jewish & Secular), General Needs, Medical/Dental, and Small Business/Jewish Institutions. Supplementary programs include the Emergency Rent/Eviction Prevention Program, JFL Care Bags for hygiene and household needs, and food and gas card distribution. The organization also offers student loans with guarantor requirements and community service components.

Differentiator

Problem solved

Functional benefit

Products and services

• General Interest-Free Loans
• Emergency Loans
• Emergency Rent/Eviction Prevention Program
• Named Loan Funds
• JFL Care Bags Program
• Food and Gas Card Distribution

Quantifiable outcome

• Over $514,000 in interest-free loans distributed in last fiscal year
• +4 more outcomes

Named customers5 records

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Six partnerships are on record, tiered core, strategic, minor and supporting.

• Center for Jewish Philanthropy of Greater Phoenix (CJP)coreStrategic or Co-development Partner · 15 August 2025CJP is a key strategic partner providing the Community Impact Initiative Grant of $18,000 as unrestricted general operating support. CJP recognizes JFL annually with the Belle Latchman Community Service Award. JFL and CJP collaborated on the AZ IDF Heroes fund to support families of IDF reservists called to duty after October 7th. This partnership enables direct help to community members in times of need.
• AZ IDF Heroes Fund (Rabbi Sadie & Andy Becker, Josh Mondlick)strategicStrategic or Co-development Partner · 1 October 2024Created in response to October 7th events to support families of IDF reservists called to duty. Partnership with CJP and JFL enabled direct distribution of funds to those who needed it most. The fund eased the financial burden of heroes' responsibilities at home while they were away.
• International Association of Jewish Free LoanscoreStrategic or Co-development PartnerJFL is a member of the International Association of Jewish Free Loans, a network of more than 50 free loan agencies. JFL Executive Director Ellen Friedman Sacks serves as Immediate Past President of the IAJFL board of directors. The partnership provides access to best practices, shared resources, and connections for Jewish community members relocating between cities.
• Evervest FinancialminorGTM or Marketing PartnerEvervest Financial is a corporate sponsor of Jewish Free Loan, providing financial support that enables interest-free loans for individuals and families throughout Arizona. Their commitment to the mission creates lasting impact and strengthens the community.
• Jewish Family & Children's Service (JFCS)supportingChannel Partner/ Reseller/ DistributorJFCS offers short-term financial assistance to Jewish individuals and families in Maricopa County. JFL provides referral information for JFCS services including counseling, behavioral health, psychiatric care, career services, and food assistance as part of the broader community resource network.
• Jewish Community AssociationsupportingChannel Partner/ Reseller/ DistributorJFL works with the Jewish Community Association network to reach Jewish Arizonans in need. The partnership includes logo placement and cross-referrals to ensure community members know about interest-free loan services.

Scale indicators14 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Modest Needs Foundation: Independent nonprofit providing small, short-term, no-interest financial assistance to individuals and families facing brief financial emergencies. Uses a similar donor-funded revolving model to JFL but serves a broader, non-religious population nationally.
• Hebrew Free Loan Association (San Francisco Bay Area): The San Francisco Bay Area's primary Jewish interest-free loan agency, founded in 1897. Operates the same revolving, donor-funded, interest-free loan model for the local Jewish community — JFL's Board President Carole Zeichick was previously involved with this organization before relocating to Phoenix.
• Hebrew Free Loan Society (New York): The largest and oldest Jewish interest-free loan agency in the U.S., founded in 1892. Provides interest-free personal, small business, and student loans to New York's Jewish community using the same donor-funded revolving model as JFL.
• Hebrew Free Loan of Philadelphia: IAJFL member agency serving the Philadelphia Jewish community with interest-free personal loans. Operates a parallel donor-funded, revolving loan model with overlapping product categories.
• Hebrew Free Loan of Greater Chicago: Chicago's Jewish interest-free loan agency, also an IAJFL member. Offers nearly identical loan categories (emergency, education, medical, small business) to JFL, serving the Chicago Jewish community.
• Greater Washington Jewish Free Loan: IAJFL member agency serving the Greater Washington D.C. Jewish community with interest-free loans for housing, education, medical, and small business needs — directly parallel to JFL's product mix and donor-funded model.
• Hebrew Free Loan of Detroit: IAJFL member agency providing interest-free loans to Michigan's Jewish community. Closely parallels JFL's structure, products (emergency, medical, education, lifecycle loans), and donor-revolving-fund approach.
• Hebrew Free Loan of Atlanta: IAJFL member agency providing interest-free loans to the Atlanta Jewish community. Operates an almost identical product set (emergency, education, medical, lifecycle loans) and donor-funded revolving model to JFL.

Others

• International Association of Jewish Free Loans (IAJFL): Umbrella network of 50+ Jewish free loan agencies worldwide. JFL is a member, and its Executive Director is Immediate Past President of the IAJFL board. The IAJFL itself is an ecosystem peer, providing shared resources, best practices, and a coordinating body.
• Jewish Family & Children's Service (JFCS) of Greater Phoenix: JFL's channel partner in the Phoenix Jewish community. Provides complementary social services (counseling, behavioral health, food assistance, career services) and refers clients to JFL for interest-free loans — adjacent rather than competing.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/channel/UCGv54gzx9F-TwrLLlOZ49sg
• Facebookfacebook.com/JewishFreeLoanAZ
• Instagraminstagram.com/jfl.phoenix
• LinkedInlinkedin.com/company/jewish-free-loan-assn

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Jewish Free Loan