California · Nonprofit
HEBREW FREE LOAN ASSOCIATION OF SAN FRANCISCO
HEBREW FREE LOAN ASSOCIATION OF SAN FRANCISCO (California) receives grants from 75 organizations whose IRS filings report $13,948,141 to it, the largest being JEWISH COMMUNITY FEDERATION OF SAN FRANCISCO THE PENINSULA MARIN & SONOMA ($7,831,069). 40 of them have funded it in more than one year, and 75% of the money arrives through donor-advised or pass-through sponsors rather than from an institution directly.
- Revenue FY2025
- $3.4M
- Funders on record
- 75
- Grants received
- $14M
- Net assets
- $23M
What Hebrew Free Loan Association of San Francisco does
Mission
To aid worthy jewish people to be and remain self-supporting and self-respecting persons by aid of loans, grants and such services as the individual may require. Such loans, grants and services shall be rendered without interest or other charges. Loans are given for emergencies, personal financial challenges, tuition and other educational-related costs, first time home purchases, debt consolidation, starting or expanding a small business, adoption, health care, and assisting those who have become unemployed. Loans are also provided to synagogues and other jewish organizations.
As stated on its FY2025 Form 990.
Programs
We disbursed 591 interest-free loans during the year, totaling $8.6 million. This is similar to the amount disbursed last year, but 52 more loans, which means we helped more people. We closed the year with 1,670 loans out in the community (125 more than last year) totaling $20.5 million.our 18 loan programs help people pursue life goals and address financial hardships. Student loans were the most frequently requested loan type,followed by debt consolidation and general needs.the need for assistance continues to increase,as many still struggle to find their footing after losing income or depleting savings during the pandemic. We are working hard to grow our resources to meet community need.
$1,948,643 spentof which $88,465 as grants100% of program spendingHelping small business owners launch or expand their businesses is a core focus of our lending. This year, we made 36 business loans totaling $1.3 million (80% more loans and 115% more in dollars than last year). Amounts ranged from $10k to $50k.many applicants don't yet have a business track record, so can't qualify for bank loans. For early-stage entrepreneurs boot-strapping their businesses, our loans being interest-free is a game changer. We've supported food and beverage companies, medical practices, law firms, retail stores, coaching and consulting practices, developers of products (e.g., smart toothbrushes, pickleball grips, and video games), and other types of enterprises.
In 2023-24, we received support from generous donors to launch our environmental loan program, which provides interest-free loans to help individuals and small business owners contribute to sustainability. The program grew and gained traction this year, as we tripled the number of environmental loans we made. Many loans helped people buy electric vehicles to get to work and school. Others assisted people to create sustainable landscapes or install electric heat pumps in their homes. We also helped small environmental businesses, such as a solar installation company and an installer of greywater systems and water-conscious landscaping.
The 3 programs described on its FY2024 Form 990, listed largest first by expense. Program spending in total: $1,948,643.
The organization over time
Each line starts at 100 in 2017, so what you read is the shape rather than the size: 150 means half as much again as 2017, 50 means half. The number beside each label in the key is where it ended. The shaded band is where the middle 50% of its peers' revenue would sit, given their growth.
Balance sheet
Total assets and total liabilities at each year end, in dollars. The largest one-year move in total assets was 2019 to 2020, from $16M to $27M (+69%).
How it's funded, over time
Each bar is one year's revenue split into where it came from, and every bar is the same height — these are shares, not amounts, so a year that raised twice as much looks the same size. Hover a bar for the split.
99% of HEBREW FREE LOAN ASSOCIATION OF SAN FRANCISCO’s revenue is contributions — more reliant on donations than three-quarters of its peers (88% for the typical peer).
Surplus & reserves
Operating surplus or deficit each year, and months of liquidity in hand. 0 of the last 9 reported years ran a deficit.
reserve
Leadership and staff
The officers, directors, trustees and key employees listed on each return. Joined and no longer listed compare each filing with the year before, matching people by surname and first initial; a year after a gap, or a roster under three people, has no comparison.
Chief executive
Cynthia Rogoway
Executive director
Board chair
Maureen Holt
Board president
As listed on its FY2025 Form 990.
Who funds it, year by year
2017 → 2023: the base broadened from 20 funders to 25 funders, grant income rose $367k → $2.0M.
19 of 75 of your funders are donor-advised or pass-through sponsors (tagged DAF) — 75% of grant dollars received. That money is really individual donors directing a sponsor; the institutions to cultivate are the non-DAF funders.
From the IRS filings of HEBREW FREE LOAN ASSOCIATION OF SAN FRANCISCO’s funders (the co-funder graph). Top 30 of 75 funders by total. Association, not causation. Trends are read to FY2023, the last fiscal year that has finished arriving. FY2024–FY2026 are still being filed and are shown unshaded; they do not move any figure on this page.
How concentrated its funding is
HEBREW FREE LOAN ASSOCIATION OF SAN FRANCISCO leans on a few funders — its largest provides 56% of grant income and the top three 74%; half comes from just 1 funder.
the vertical line marks half of all grant income — 1 funder to its left
78% of the income these shares are computed over arrives through pass-through sponsors or from payers whose filings do not say what kind of payment it is. Concentration is still measured over all of it, because the money is real; what it does not support is a claim about how many institutions have chosen to fund HEBREW FREE LOAN ASSOCIATION OF SAN FRANCISCO.
Largest funder’s share by year: 2017 23% · 2018 58% · 2019 32% · 2020 41% · 2021 34% · 2022 35% · 2023 56% — growing more concentrated.
“Effective funders” = inverse Herfindahl index (1 / Σ shareᵢ²) — the number of equal-sized funders that would give the same concentration. Trends are read to FY2023, the last fiscal year that has finished arriving. FY2024–FY2026 are still being filed and are shown unshaded; they do not move any figure on this page.
How long its funders stay
37% of HEBREW FREE LOAN ASSOCIATION OF SAN FRANCISCO's funders are still giving 3 years after their first grant; 53% give in more than one year at all.
Share of funders still giving k years after their first recorded grant, pooled across every acquisition cohort. A funder counts as retained in a year only if it made a grant that year. Measured to FY2023, the last fiscal year that has finished arriving — a funder cannot be counted as lapsed in a year most filers have not reached.
Where its funders are
75% of HEBREW FREE LOAN ASSOCIATION OF SAN FRANCISCO's grant income arrives through donor-advised or pass-through sponsors, whose addresses record where the money is held rather than where the donor is. Of the $3.5M that is directly attributable, 84% of it comes from California funders.
In-state vs out-of-state, by year
Funder states come from each funder’s own filing. $10M arriving through sponsors registered in 11 states is excluded from the map and the split above: a sponsor holds money on a donor’s behalf, so its registered address would place those dollars somewhere no donor need ever have been. Trends are read to FY2023, the last fiscal year that has finished arriving. FY2024–FY2026 are still being filed and are shown unshaded; they do not move any figure on this page.
Against its field
HEBREW FREE LOAN ASSOCIATION OF SAN FRANCISCO runs a healthier operating margin than half of the 543 public benefit nonprofits its size.
this organization peer median middle 50% of peers· 543 public benefit nonprofits $1M–$10M, FY2025
Organizations like HEBREW FREE LOAN ASSOCIATION OF SAN FRANCISCO
Organizations whose mission and program text most resemble this one, by semantic similarity over every organization in the US filings — the closest peers, and often the clearest route to shared or prospective funders.
In California
Nationally
Read directly from this organization’s own Form 990, as neutral context.
Where the money goes
66% of spending goes to programs.
Governance
Public support
77%
Share of support from the public (Schedule A) — the basis for its public-charity status.
Footprint & structure
Files a return copy in 1 state
Part of a family of 1 related entity
- Charles H Miller Charitable Trust · exempt
Screen this organization
A dated, signed PDF of the compliance screen for HEBREW FREE LOAN ASSOCIATION OF SAN FRANCISCO: IRS status (Business Master File, Publication 78, auto-revocation), the OFAC sanctions lists, the Internal Revenue Bulletin, and California registration, with the Rev. Proc. 2018-32 §8.01 reliance elements stated element by element. Generated from the current files at the moment you download it.
Screens are triage, not determinations; a source that cannot be read reports not screened, never clear. Screen this nonprofit · How the screen works · on the API as GET /api/screening/{ein}?format=pdf
Questions and answers
- Who funds HEBREW FREE LOAN ASSOCIATION OF SAN FRANCISCO?
- HEBREW FREE LOAN ASSOCIATION OF SAN FRANCISCO (California) receives grants from 75 organizations whose IRS filings report $13,948,141 to it, the largest being JEWISH COMMUNITY FEDERATION OF SAN FRANCISCO THE PENINSULA MARIN & SONOMA ($7,831,069). 40 of them have funded it in more than one year, and 75% of the money arrives through donor-advised or pass-through sponsors rather than from an institution directly.
- How many funders does HEBREW FREE LOAN ASSOCIATION OF SAN FRANCISCO have?
- IRS filings report 75 organizations giving $13,948,141 in grants to HEBREW FREE LOAN ASSOCIATION OF SAN FRANCISCO, 40 of which have funded it in more than one year.
- Who is the largest funder of HEBREW FREE LOAN ASSOCIATION OF SAN FRANCISCO?
- JEWISH COMMUNITY FEDERATION OF SAN FRANCISCO THE PENINSULA MARIN & SONOMA is the largest funder on record, with $7,831,069 in grants. The full list of funders is on this page.
- How can an organization like HEBREW FREE LOAN ASSOCIATION OF SAN FRANCISCO find more funders?
- Start with the funders already giving here, then look at the foundations that back similar organizations in California. The funding by cause and by state pages list the largest funders for a given area and how to approach them.
These figures are read directly from IRS Form 990 / 990-PF e-file XML: this organization’s own return for FY2025 (financials across 2017–2025), and the filings of 75 funders that report grants to it. “On record” means captured in the filings we have parsed — a funder that does not e-file, or whose grant detail is not itemized, will not appear. Filings run roughly 12–24 months behind. Trends on this page end at FY2023, the last fiscal year that has finished arriving; later years are shown and marked, and move no figure. Data on this page was exported October 22, 2026. What this page cannot tell you · view filing