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Business Loans for new start-ups, small business expansion, business help, and green energy. Apply for a business loan today.

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Number of GuarantorsMaximum Loan Amount

All borrowers must have at least one qualified guarantor.


  • Applicants must be at least 18 years of age and have a current CA issued ID and Social Security number.
  • Applicants must be permanent residents of Los Angeles, Ventura or Santa Barbara County 
  • Borrowers must demonstrate a business need 
  • Borrower must currently have the ability to repay the loan (3 year pay back is required).
  • Loans are paid back within 36 months and payments begin 30-45 days after receiving funding.
  • Guarantor(s) are required on each loan
  • Borrower must have credit score of 580-680 in order to qualify for a business loan.  Loan request over $10,000 require a credit score of 680 or above
  • Borrower must be able to provide a recently filed tax return 
  • Borrower must be able to provide one of the following: CA state issued business license, CA state issued sellers permit, or City of Los Angeles Tax Registration certificate.  *Please note pending documents will not be accepted.
  • Cannot be a current Borrower or Guarantor on a JFLA loan
  • Please note, married couples are considered like one

Get the Financing you need with a JFLA Interest Free Small Business Loan

Starting a new business, growing a business or simply keeping the doors open as our economy evolves poses challenges for any business owner. If your small business needs capital, JFLA can help. Your bottom-line matters, we offer a better way for your business to borrow. All JFLA loans can help you save money with 0% interest rates and no fees - ever.

My business needed equipment repairs and the loan allowed me to better manage my cash flow. Thank you JFLA for helping me and my employees. When you help a small business you’re really making a difference. Mike

Why Choose JFLA for Your Small Business Loan?

JFLA is a non-profit organization that helps business owners of all races & religions by offering interest-free loans. We help business owners who are start-ups, expanding, renovating, taking care of their employee salaries, and more such as:

  • Business expansion
  • Rent
  • Salaries and benefits
  • Inventory
  • Marketing expenses
  • Renovations
  • Buy new equipment
  • Other business-related expenses

Get a small business loan online in 5 easy steps

How Can JFLA Offer Interest Free Small Business Loans?

If you are in need of a Small Business Loan to help stabilize your company finances, JFLA can help. Because we are a non-profit organization not a bank; our loans have no fees of any kind and monthly payments that won’t break your budget.

To provide loans like this to the Southern California community, we require at least 1 qualified guarantor for every borrower. 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. 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 580-680 in order to qualify for a business loan.  Loan request 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 or Ventura. Non-profit organizations are not eligible.

How Can I Get a Small Business Loan with JFLA?

Become on of our success stories and apply today:

Orthodontics is my way of being of service and I would not be where I am today without the Jewish Free Loan. Jewish Free Loan was there for me with an interest-free loan when I was ready to start my business and provided me with the funds I needed to buy a practice. Hillel
I received an interest-free Small Business Loan from JFLA and was able to paint, add counters and purchase new equipment. With these changes, growing revenue and foot traffic, I was able to revamp my bakery’s reputation and relationships with the local community. Dan
I needed to fund the build out of the office for my pediatric therapy business. Without JFLA, I do not think that I would have been able to have an office, and would still be driving around Los Angeles all day to see patients in their homes. Thank you for your kindness and generosity. Without your help, I would not have been to grow my small business. As a young woman, starting a business has its own specific challenges, but this Medical Practice Loan allowed for one part of this journey to be manageable. I am so grateful to have been given this opportunity which would not have been possible without JFLA.Emma
Covid affected my business, clients were not wanting contractors on their property. Thank you, for helping me get through a difficult time with my finances. Without JFLA I am not sure where I would be right now. Marco
Before we reached out to Jewish Free Loan we reached out to credit card companies and big banks, and we were turned down and not taken seriously. No one really cared. It wasn’t until Jewish Free Loan took us seriously that we felt we had a chance. The loan from Jewish Free Loan gave us credibility and then others came through to help fund our dream business. Wade and Lindsay
My business needed equipment repairs and the loan allowed me to better manage my cash flow. Thank you JFLA for helping me and my employees. When you help a small business you’re really making a difference. Mike
The JFLA loan was for my start-up business. We would have struggled to stay afloat without the loan from JFLA. We're still rolling and able to create new business opportunities. Thank you for believing in us. Your generosity brought us that much closer to realizing our dream. Dave
We needed a loan to fund our inventory purchase and cover our retail space rent. Thanks to the generosity of JFLA, we are able to provide services to clients in our community and hopefully make a difference by hiring locally. We are working hard to make your contribution a success story. We are a small family business and there is no way we could have gotten off to this great start without you. God Bless You. Eve
I needed a JFLA loan to help me pay my salon studio rent. It helped me tremendously so I can focus on marketing my business and finding new clients. Thank you so much for helping me sustain my dream business. I hope to be able to give back one day soon, too. PK
I needed the JFLA small business loan for working capital; to help finance permits to improve my business, (more exposure), to keep me afloat financially so that I can support my family. My situation has significantly improved as the loan helped me return to Certified Farmers Markets, where I can bring more attention to my brand and garnish more sales during the week. With deep gratitude, I thank you for helping me, a single mother, help my family to enrich their lives as well as to further elevate my business. Thank you! Liz
The JFLA loan help us to take our Small business to the next steps. It's been incredible to have that cushion to start our first location for our bakery. Kim
I have been able to maintain my realtor's dues/fees up to date; otherwise, I would not even be able to perform my obligations nor would I have access to my Multiple Listing Service. A sincere appreciation for your consideration to assist the many business owners that are struggling through difficult unprecedented times. JFLA’s financial assistance has kept my Realtor dues active, without it, I would not be able to continue with my obligations to service my clients and I would be in a deeper financial stress after facing late payments, reinstallation of accounts, and the list can go on and on. Thank you so much, the JFLA loan means so much to me.Linda
I was at a pivotal point in my business and needed funding to expand. The JFLA loan allowed me to hire staff and expand my operations. Thank you so much for believing in me and my business! Chris
I opened my business without funding during the pandemic when the banks were not giving out business loans. I needed help with my cash flow for inventory and bills and the loan from JFLA allowed me to have that Thank you for giving hard working people like me a chance! Sue

Check out the resources below for more information on our loan process:

Relief for your Small Business is Just a Call Away

For 100+ years, Jewish Free Loan Association has helped small business owners get financial support when they needed it most. If your business is in need of financial support and you’re struggling to secure it from conventional lenders, reach out to us today.

Email us at info@jfla.org or call 1-844-JFLA-ORG (1-844-535-2674) to get started.

JFLA Assistant