We’re a nonprofit that provides interest-free loans to help Jewish individuals in Northern California overcome financial challenges or pursue life dreams. Loans are also available to those in Northern California who meet one of the following criteria, regardless of religious background: • Immediate family member or business partner of a Jewish individual • Employee of a Jewish organization • Student from a lower income home who is referred by a partner agency: hflasf.org/pollak As loans are repaid, funds are recycled to make new loans. We’ve proven the success of this model with a repayment rate over 99%.