JFLA offers zero-interest, zero-fee loans of up to $200,000 to help nonprofit organizations thrive. Loans are repaid in 36 months, we are here to support your mission without adding financial strain. Loans are considered on a case-by-case basis. To apply for these loans, your organization must be in Los Angeles, Ventura, Orange, or Santa Barbara County. JFLA requires at least 1 qualified guarantor on every loan, and the amount you can borrow depends on the number of guarantors who sign onto the loan. Four guarantors are required to access the maximum of $200,000. Your guarantors must have good credit and steady income. You will also need to provide the following electronically: Formation Document, with all amendments (Organization's Articles of Incorporation or Certificate of Incorporation) Governing Document, with all amendments (Organization's Bylaws) Good Standing Certificate or Certificate of Status An Action of Board of Directors Incumbency Certificate 501C3 status Total contribution for last 3 years Operating budget for last 3 years Tax ID number 990

JFLA can provide up to $50,000 of 0% interest, $0 fee loans to small businesses to aid with costs including business expansion, rent, salaries and benefits, inventory, marketing expenses, renovations, equipment, working capital, and more. We require at least 1 qualified guarantor on every loan. Your guarantors must have good credit and steady income. With a single guarantor, up to $7,500 can be borrowed. With two guarantors, the borrowing limit is increased to up to $36,000. With three guarantors, the borrowing limit is increased up to $50,000. To be eligible for a loan, you must be employed; You must be at least 18 years old; You must have a state-issued California ID, or a driver’s license; You must have credit score of 600 or higher in order to qualify for a business loan. Loan requests over $10,000 require a credit score of 680 or above. Must not have a current loan with JFLA; And must be a resident in the county of Los Angeles, Santa Barbara, Ventura, or Orange.

JFLA’s emergency loans are here for you when an unexpected expense or urgent situation has you in a bind. We offer you a better way to borrow & save money with interest-free loans that have no fees. JFLA emergency loans are up to $15,000 with 1-2 qualified guarantors. The loans can cover most personal/emergency expenses, however we are not able to assist with any legal fees, travel expenses and loans which involve or are related to gambling or betting. In order to be eligible, applicants must be at least 18, SSN or ITIN, have steady income, provide documentation of their need, and be a resident of Los Angeles, Ventura, Orange, or Santa Barbara (with a California issued ID that has an address in one of these counties). We serve people of all faiths and backgrounds, meaning you do not have to be Jewish to apply.

JFLA provides zero-interest, zero-fee loans to students for tuition, fees, books, school supplies, housing, or living costs while they attend school. Eligible students pursuing degrees, diplomas, or certificates at Vocational, Extension or Trade Schools, Community or Junior Colleges can receive up to $5,000 with one qualified guarantor or up to $10,000 with two qualified guarantors. To be eligible for a loan, the applicant must be a resident in the county of Los Angeles, Ventura, Orange, or Santa Barbara. We proudly offer financial aid on a non-sectarian basis, meaning anyone can take out a loan, you don't have to be Jewish. The terms are simple: you only pay back exactly what you borrow.