Skip to content

· Private foundation

The Aron and Ritchel Zichron Kdoshim Free Loan Fund

Its FY2024 filing reports that it accepted unsolicited grant applications.

$450k
Granted FY2024still arriving
11
Grants FY2024still arriving
3
States reached
$123k
Largest
01What it funds
0167% classified

What it funded, over time

Every grant placed by its stated purpose and the recipient’s mission, by year, FY2017 to 2024.

Religion$590kPhilanthropy$286kHealth$180kInternational$75kArts & Culture$55kHuman Services$20kOther$0
02FY2024 · 11 grants

Where the money goes

Grants by size, and the largest recipients.

By grant size · FY2024

  • Under $10k2 grants · $6k
  • $10k–50k5 grants · $108k
  • $50k–250k4 grants · $336k
$25,000
Median grant
3
States reached
$5.6M
Total assets
Largest grants
RecipientAmount
VARIOUS CHARITIES$123,001
TALMUDICAL YESHIVA OF PHILADELPHIA$78,000
MIRRER YESHIVA$75,000
A TIME$60,000
Individual grant recipient$31,005
CENTRAL FUND OF ISRAEL$25,000
Individual grant recipient$19,538
Individual grant recipient$16,500
TZUR FOUNDATION$16,000
Individual grant recipient$3,300
AGUDATH ISRAEL OF AMERICA$2,600
02The need
03

Does the money reach high-need areas?

Each grant placed by the hardship in its grantee’s ZIP, against the area’s typical level.

show:

Its human-services grants (FY22–24, $200k) land where the poverty rate runs at 19%, against an area that typically sits at 13%. 100% of those dollars go to grantees based in above-average-need neighborhoods. Most of its grants land in higher-need ZIPs.

area typical 13%LEV YISROEL: $20k → 14%A TIME: $60k → 20%A TIME: $60k → 20%A TIME: $60k → 20%0%20%40%50%more need →
grant to an above-average-need area below average· circle size = grant amount
How this is measured
Matched: human-services grants are those whose grantee’s IRS cause code is Human Services. Placed by people below the poverty line in the grantee’s ZIP, averaged from the tracts in that ZIP.
How this is measured
US grants placed by each grantee’s ZIP, which can differ from where services are delivered. Need from public data (U.S. Census/ACS, CDC PLACES, Eviction Lab, USDA), shown as context about the area, never attributed to the funder’s giving.
03Its grantees
repeat funding

Who it funds again

Organizations funded in more than one year, against those funded once.

81%of every dollar goes to organizations it has funded before.
$1.4M · 12 repeat orgs$327k to everyone else

12 repeat relationships: 9 still active in FY2024, 3 since wound down; 1 grantees were first funded in FY2024 (too recent to call).

How the two cohorts compare

Re-uppedFunded once

Organizations

12
21

Total granted

$1.4M
$324k

Median revenue growth · since first grant

+31%
+43%

Still filing today

25%
0%

New vs renewed · share of each year

In FY2024, 99% of grant dollars renewed an existing relationship; $3k went to new ones.

50%100%’17’18’20’21’22’23’24
RenewedFirst-time

Where new relationships form · theme of each grantee’s first grant

’17’18’20’21’22’23’24
Human ServicesInternationalReligionOther
How this is measured
First-time means a grantee’s first year in the filing window; renewed means funded in an earlier year too. The renewed share climbs naturally as a portfolio matures, so the signal is a year that bucks it (a wave of new grantees). The earliest year is left-censored: relationships that predate the data read as new. Theme is the grantee’s IRS cause.

Backed again, and grew

  • AT
    A Torah Infertilty Medium Exchange
    3× · 2022–2024 · $180k · revenue +64%
  • CF
    Central Fund of Israel
    2× · 2023–2024 · $75k · revenue +31%
  • TF
    TZUR FOUNDATION INC
    2× · 2023–2024 · $26k · revenue +20%

Funded once

  • IG
    Individual grant recipient
    one grant, 2020 · $100k
  • AT
    A TIME SHAS A THON
    one grant, 2020 · $50k
  • AY
    AHAVAS YISROEL OF AMERICA
    one grant, 2022 · $36k
How this is measured

Repeat means funded in two or more distinct years. Growth and survival are read from each grantee’s own subsequent IRS filings.

04Its field
04the grantee network

5 grantees tracked through their own filings, 2017–2025.

Each grant beside the grantee’s revenue from every source, year by year.

How this is measured

Counted here: distinct organizations funded across 2017 to 2025, not grant rows in a single year, so this will not match the grant count on the cover. 5 of the 35 grantees resolved in that span have returns of their own we could reconcile.

Each grantee is resolved to its own IRS returns. Association, dated; never a causal claim.

0
Load-bearing (≥25% of a budget)
0
Early backer (in before they grew)
4/5
Grantees still filing
5/5
Grew since first funded

Where the money sits, by cause and then by grantee

VARIOUS CHARITIES: $596,192 · OtherVARIOUS CHARITIESICHUD MOSDOS HACHINUCH IN BROOKLYN: $175,000 · OtherICHUD MOSDOS HACHINUCH IN BROOKLYNMIRRER YESHIVA: $109,300 · OtherMIRRER YESHIVAIndividual grant recipient: $100,000 · OtherIndividual grant recipientAGUDATH ISRAEL OF AMERICA: $98,600 · OtherAGUDATH ISRAEL OF AMERICAIndividual grant recipient: $83,981 · OtherIndividual grant recipientTALMUDICAL YESHIVA OF PHILADELPHIA: $83,000 · OtherTALMUDICAL YESHIVA OF PHILADELPHIA+24 more: $298,288 · Other+24 moreA Torah Infertilty Medium Exchange: $180,000 · Human ServicesA Torah Infe…LEV YISROEL: $20,000 · Human ServicesLEV YISROELCentral Fund of Israel: $75,000 · InternationalTZUR FOUNDATION INC: $26,000 · Religion
Other$1,544,361Human Services$200,000International$75,000Religion$26,000

Each grantee by its size and the funder’s share of it; top left is load-bearing

25%50%75%100%$100Mgrantee revenue →↑ funder's share of their budgetA Torah Infertilty Medium Exchange: $180,000 over 3y, 0.9% of budgetAGUDATH ISRAEL OF AMERICA: $98,600 over 4y, 0.1% of budgetCentral Fund of Israel: $75,000 over 2y, 0.1% of budgetTZUR FOUNDATION INC: $26,000 over 2y, 0.1% of budget
Grantee by grantee: a decade per organization, before and after funding

A decade per grantee: revenue shaded, grants as bars, all rows on one timeline.

  • Who funds A Torah Infertilty Medium Exchange ↗
  • Who funds AGUDATH ISRAEL OF AMERICA ↗
  • Who funds Central Fund of Israel ↗
  • Who funds TZUR FOUNDATION INC ↗
  • Who funds LEV YISROEL ↗

Co-funders

Grantmakers whose grantees overlap with this funder’s far more than size alone predicts. Closer means stronger alignment; arcs show where they also fund each other. Here they form a tightly interlocked group: most of these funders back each other's grantees too.

The Ojc FundNY16.4× affinity6 shared granteesties to 2 of 2Hover any node to trace its alignments.Compare side by side →

Open a dossier: The Ojc Fund · Jewish Communal Fund · Fidelity Investments Charitable Gift Fund

How this is measured
Affinity is a Gamma-Poisson posterior co-funding rate, re-centered on the typical rate, so thin evidence shrinks toward no signal. Overlap is association, not proof of shared intent.

How much its grantees rely on government

Each dot is one organization The Aron and Ritchel Zichron Kdoshim Free Loan Fund funds: left to right is the share of its income from government, bottom to top the share from The Aron and Ritchel Zichron Kdoshim Free Loan Fund. Bigger dots raise more.

2024
’20’21’22’23’24’25
no gov · 10%0%1%3%5%funder's share of their income ↑0%1%3%4%5%share of the org’s income from government →
    no gov moneyreceives it· size = income
    1get no government money at all
    1report government grants on their 990 we could not trace to a source (not plotted)
    0rely on government for over half their income
    ⤢ axis zoomed · 0–5%
    typical government reliance, FY20–25
    How this is measured
    Government income is each org’s traced federal awards (USASpending grants and contracts) plus state payments (open checkbooks) as a share of its total revenue (IRS Form 990); the self-reported government-grant line (990 line 1e) is carried for cross-check: a grantee that reports government grants we could not trace to a source is left off the chart rather than shown as receiving none. An association, not a claim that a grant caused the public funding. Coverage is precision-first, a floor rather than a census; state records exist for 9 states, so a grantee outside them shows no state figure (dimmed) rather than a false zero. Federal award amounts are obligations, which can span years, so a single-year share is indicative. 990 filings lag 12 to 24 months.
    05Through Plinth

    Warm introductions · Powered by PlinthPlus

    How do I get to The Aron and Ritchel Zichron Kdoshim Free Loan Fund?

    Find your warmest path to The Aron and Ritchel Zichron Kdoshim Free Loan Fund through trustees and officers whose names appear on both boards. Search for your organization and Plinth traces the shortest route it can evidence.

    Each link is a name appearing on two organizations’ public IRS 990 filings, matched on that name and, where the filings support it, on location. A same-state match has geographic support, which is a second matching feature rather than confirmation that the two are one person; a cross-state one is the likeliest to be two people who share a name. Every hop shows its tier, low-confidence and distant paths are held back rather than guessed, and it is worth confirming the person before you use the introduction.

    On method. Every financial figure here is read from IRS e-file XML, the funder’s own 990/990-PF, and from the multi-year returns of the 35 grantees we resolved, each linked to its source. Grantee outcomes are each organization’s own program-service reporting (Form 990, Part III), read as association with funding, never as caused by it. Low-confidence name matches are suppressed rather than guessed. How we build these →

    How this is measured
    Each figure carries one of six labels. Filed is what the funder reported on its return. Official is another government record about an organization, such as a federal award or a charity register, joined by name where no shared identifier exists. Resolved is an identity we worked out where the filing named a recipient without an EIN, kept only above a measured confidence threshold. Computed is arithmetic over those, like themes, portfolio clusters and co-funder strength. Context is a statistic about a place rather than about an organization, which is what the need overlay is: it describes the area a grantee’s address sits in, not where its work lands. Inferred is drawn by a model from text, like the partnerships read out of public news and organization websites. Each is labeled where it appears.

    Generated from the IRS Form 990-PF e-file return for fiscal year 2024, released 2024. Filings run roughly 12 to 24 months behind; figures are dated accordingly.

    Source object · view filing

    Play a game based on Aron and Ritchel Zichron Kdoshim Free Loan’s filings →

    More from the funding graph