Hebrew Free Loan Association of San Antonio

What Hebrew Free Loan Association of San Antonio does

Hebrew Free Loan Association of San Antonio is a Texas 501(c)(3) nonprofit founded in 1924 that provides confidential, interest-free, no-fee loans to Jewish residents and non-Jewish employees of qualifying Jewish organizations across 15 counties around San Antonio. Its core programs include personal loans up to $10,000, education loans up to $5,000 per semester and $40,000 in total, older-adult loans up to $6,000, and loans for veterans, special situations, and small businesses. Applications may be submitted through the website with phone or email support, followed by an interview and review process involving guarantors and a loan committee.

The organization uses a community-led and direct-to-consumer go-to-market model. Synagogues, Jewish organizations, community centers, community events, social media, email, and word-of-mouth referrals generate awareness, while the website, telephone, and email provide application access. The disclosed technology is conventional nonprofit workflow infrastructure rather than a proprietary platform: online forms and DocuSign support applications and identity verification, while LGL Forms processes donation and payment transactions. No AI capabilities or differentiated proprietary technology platform are disclosed.

HFLA-SA's funding model is based on tax-deductible donations from individuals, foundations, and organizations, including memorial and tribute gifts, supplemented by loan repayments that recycle principal for future lending and by sales associated with the Books of Reminiscence. It does not generate conventional interest income because loans carry no interest or fees. In 2025, the organization reported $178,000 in new loans across 26 loans, $324,995 in 93 outstanding loans, and a repayment rate above 99.5%; these are lending and impact measures rather than revenue figures.

Name

Hebrew Free Loan Association of San Antonio

Legal name

Hebrew Free Loan Association of San Antonio

Website

https://hfla-sa.org

Company type

Private

Founded year

1924

Operating status

Operating

Headcount range

11–50 employees

Short description

Hebrew Free Loan Association of San Antonio is a 501(c)(3) nonprofit providing confidential, interest-free, no-fee loans to Jewish residents and non-Jewish employees of Jewish organizations across 15 counties around San Antonio.

Ownership category

akta.pro rank

Product category

Community Nonprofit Lending

NAICS

Credit Intermediation and Related Activities (522)

SIC

Personal Credit Institutions (6141)

akta.pro industry

PRIMARYFSAKAAAH

Emergency & Short-Term Installment Personal Loans (Unsecured)

Financial & Insurance/Lending & Consumer Finance/Personal Loans (Unsecured Installment)

SECONDARYFSAKAEAB

Private Student Loans (Undergraduate & Graduate)

Financial & Insurance/Lending & Consumer Finance/Student Loans & Education Finance

SECONDARYFSAKAGAI

SBA/Government-Backed & Development Finance Loans

Financial & Insurance/Lending & Consumer Finance/Small Business & Microenterprise Lending

Keywords

• Interest-free loans
• Nonprofit lending
• Community lending
• Emergency financial assistance
• Faith-based lending

Headquarters

HQ city

San Antonio

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, Technology or R&D, Infrastructure

Revenue model

1. Donations and Contributions: Tax-deductible donations from individuals, foundations, and organizations support interest-free loans and agency operations. Every dollar donated helps provide loans to those in need.
2. Loan Repayments: As loans are repaid, funds are recycled to support the next family in need, creating a revolving fund model
3. Memorial and Tribute Gifts: Donors can make tribute donations in honor or memory of loved ones

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels7 records

Core offering

Hebrew Free Loan Association of San Antonio provides interest-free, no-fee loans to Jewish residents and non-Jewish employees of Jewish organizations across 15 counties surrounding San Antonio. Loan programs include Personal Loans (up to $10,000), Education Loans (up to $5,000 per semester), Older Adult Loans (up to $6,000), Veterans & Active-Duty Loans, Special Situation Loans, and Small Business Loans, with monthly repayment plans and a revolving fund model where repayments finance future loans.

Product overview

Hebrew Free Loan Association of San Antonio (HFLA-SA) offers a suite of interest-free, no-fee loan programs serving the Greater San Antonio Jewish community since 1924. The core product portfolio includes Personal Loans (up to $10,000), Education Loans (up to $5,000 per semester), Older Adult Loans (up to $6,000), Veterans & Active-Duty Loans, Special Situation Loans, and Small Business Loans. All loans feature 0% interest and no fees with monthly repayment plans. Additionally, HFLA-SA maintains the Books of Reminiscence—a digital historical archive documenting the San Antonio Jewish Community's history with pages available for purchase to honor or memorialize loved ones. The organization operates as a 501(c)(3) nonprofit, providing confidential financial assistance to Jewish residents across 15 Texas counties surrounding San Antonio.

Differentiator

Problem solved

Functional benefit

Products and services

• Personal Loans Interest-free, no-fee personal loans up to $10,000 for Jewish residents or non-Jewish employees of Jewish organizations in the 15-county San Antonio area. Loans require guarantors and feature monthly repayment plans ranging from 30-40 months (e.g., $250 monthly payments for 40 months on a $10,000 loan).
• Education Loans Interest-free education loans up to $5,000 per semester (maximum $40,000 total over 4 years) for Jewish post-high school students who are permanent residents of the San Antonio area. Repayment is $100 monthly until graduation, then $166.67 after.
• Older Adult Loans Interest-free loans up to $6,000 for Jewish residents age 60 or older, or non-Jewish employees of Jewish organizations in the 15-county San Antonio area. Repayment is $120 monthly payments for 50 months.
• Veterans & Active-Duty Loans Interest-free loans for local Jewish U.S. active duty, veterans, and/or their dependents, or non-Jewish employees of Jewish organizations. Loan amounts vary based on need.
• Special Situation Loans Interest-free loans with varying amounts for emergent needs including funeral expenses, government shutdowns, emergency home/car repairs, emergency health procedures, and domestic violence situations. Requires two or more well-qualified guarantors.
• Small Business Loans Interest-free loans for Jewish business owners in the San Antonio area with varying amounts based on need. Requires documentation including business plan, financial reports, tax returns, and organizational documents.
• Books of Reminiscence Historical digital books documenting nearly 400 oversized pages of stories of people and families who created the San Antonio Jewish Community since 1924. Pages can be purchased in honor or memory of loved ones at $500 per single page or $3,600 per family book. Available in alphabetical and chronological organization.

Quantifiable outcome

• 99.5%+ loan repayment rate demonstrates reliability and borrower commitment
• +2 more outcomes

Named customers2 records

Segments6 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

Partnerships

One partnership is on record.

• Jewish Federation of San Antonio (LIFE & LEGACY)supportingGTM or Marketing PartnerCommunity-wide program sponsor for LIFE & LEGACY endowment giving initiative

Scale indicators7 records

Recent moves4 records

Expansion highlights3 records

Others

• International Association of Jewish Free Loans: Umbrella network for dozens of Hebrew Free Loan societies across North America. Relevant ecosystem context as the parent association supporting HFLA-SA and comparable member organizations.

Emerging players

• Grameen America: Microfinance nonprofit providing small-dollar loans to entrepreneurs in underserved U.S. communities. Comparable nonprofit, community-led model of small personal/business lending, though broader and non-Jewish in mission.
• Kiva US: Nonprofit crowdfunding platform enabling 0% interest loans to underserved borrowers in the U.S. and globally. Comparable in offering interest-free credit to underbanked populations, though operates via a digital crowdfunding model rather than direct lending.
• Opportunity Fund (Mission Asset Fund): Nonprofit community development financial institution offering zero-interest and affordable loans to low-income families, including a notable Lending Circles program. Comparable nonprofit credit intermediation to underserved borrowers without charging interest.

Direct peers

• Hebrew Free Loan Society of Greater Philadelphia: Interest-free loan society serving Jewish residents of the Greater Philadelphia area with personal, small business, and special situation loans. Direct comparable in mission, scale, and product mix.
• Hebrew Free Loan Society of Greater Boston: Provides interest-free loans to Jewish residents of Greater Boston across personal, education, and small business categories. Directly mirrors HFLA-SA's operating model and product structure.
• Hebrew Free Loan Association of Los Angeles: A sister Hebrew Free Loan organization serving the greater Los Angeles Jewish community with interest-free loans for personal, business, and education needs. Closely comparable mission, products, and operating model to HFLA-SA.
• Hebrew Free Loan Society (New York): The flagship Hebrew Free Loan Society, founded in 1892, provides interest-free loans to individuals in the New York area across a similar product suite (personal, small business, education). Directly comparable mission, structure, and 0% interest-free lending model serving a Jewish community.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat3 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xtwitter.com/HFLAofSA
• Facebookfacebook.com/hflasa
• LinkedInlinkedin.com/company/hebrew-free-loan-of-san-antonio
• Instagraminstagram.com/hflasa

Revenue estimate

Valuation estimate

Number of profiles

Profiles10 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 Hebrew Free Loan Association of San Antonio