New York · Nonprofit
HEBREW FREE LOAN SOCIETY INC
HEBREW FREE LOAN SOCIETY INC (New York) receives grants from 124 organizations whose IRS filings report $23,471,675 to it, the largest being JEWISH COMMUNAL FUND ($5,010,763). 64 of them have funded it in more than one year.
- Revenue FY2025
- $6.3M
- Funders on record
- 124
- Grants received
- $23M
- Net assets
- $42M
What Hebrew Free Loan Society Inc does
Mission
The hebrew free loan society (hfls) fosters economic stability and opportunity for lower-income new yorkers through interest-free lending. Hfls loans make an immediate, concrete difference in the lives of our borrowers, enabling them to invest in their education, start a business, build a family and meet emergency expenses. Hfls is non-sectarian; our borrowers represent new york's diverse jewish and non-jewish communities. Since its founding in 1892 hfls has provided over $300 million in loans to more than 875,000 borrowers while maintaining a repayment rate of 99%. As hfls loans are repaid, the capital is lent out again and again, helping more people and multiplying the impact over time.
As stated on its FY2025 Form 990.
Program
The hebrew free loan society (hfls) advances economic stability and opportunity for lower-income new yorkers within and beyond the jewish community by making safe, affordable interest-free loans. Hfls is a non-sectarian lender, serving the new york city area since 1892. Hfls provides 0%-interest loans to assist low and moderate-income households who are struggling to manage spikes in expenses, dips in income, and other financial challenges. Hfls loans help lower-income individuals and families pay for college, graduate school, or professional training; manage medical and dental expenses; afford moving costs and security deposits; consolidate and reduce high-interest debt; start or expand a small business; access expensive special education services for their special needs children; pay immigration and legal fees; and more. At end of fy25, hfls had 4,490 loans outstanding totaling $39.9 million; in fy25 alone, hfls disbursed 1,813 loans totaling more than $31 million.
$3,057,448 spent$534,804 earned by the program100% of program spending
The program described on its FY2024 Form 990. Program spending in total: $3,057,448.
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 $26M to $35M (+35%).
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.
73% of HEBREW FREE LOAN SOCIETY INC’s revenue is contributions — about as donation-reliant as the typical peer (81% 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
David Rosenn
President & CEO
Board chair
Ellen Braitman
Chair
As listed on its FY2025 Form 990.
Who funds it, year by year
2017 → 2023: the base broadened from 22 funders to 47 funders, grant income rose $740k → $3.3M.
17 of 124 of your funders are donor-advised or pass-through sponsors (tagged DAF) — 42% 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 SOCIETY INC’s funders (the co-funder graph). Top 30 of 124 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 SOCIETY INC has a broad base — no single funder exceeds 21% of grant income, and it takes 4 funders to reach half.
the vertical line marks half of all grant income — 4 funders to its left
63% 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 SOCIETY INC.
Largest funder’s share by year: 2017 38% · 2018 35% · 2019 52% · 2020 25% · 2021 52% · 2022 18% · 2023 40% — broadly stable.
“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
42% of HEBREW FREE LOAN SOCIETY INC's funders are still giving 3 years after their first grant; 52% 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
62% of HEBREW FREE LOAN SOCIETY INC's grant income comes from New York funders.
In-state vs out-of-state, by year
Funder states come from each funder’s own filing. $9.9M arriving through sponsors registered in 12 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 SOCIETY INC runs a healthier operating margin than three-quarters of the 6,891 human services nonprofits its size.
this organization peer median middle 50% of peers· 6,891 human services nonprofits $1M–$10M, FY2025
Organizations like HEBREW FREE LOAN SOCIETY INC
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 New York
Nationally
Read directly from this organization’s own Form 990, as neutral context.
Where the money goes
75% of spending goes to programs.
Governance
Public support
59%
Share of support from the public (Schedule A) — the basis for its public-charity status.
Footprint & structure
Files a return copy in 20 states
Screen this organization
A dated, signed PDF of the compliance screen for HEBREW FREE LOAN SOCIETY INC: 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 SOCIETY INC?
- HEBREW FREE LOAN SOCIETY INC (New York) receives grants from 124 organizations whose IRS filings report $23,471,675 to it, the largest being JEWISH COMMUNAL FUND ($5,010,763). 64 of them have funded it in more than one year.
- How many funders does HEBREW FREE LOAN SOCIETY INC have?
- IRS filings report 124 organizations giving $23,471,675 in grants to HEBREW FREE LOAN SOCIETY INC, 64 of which have funded it in more than one year.
- Who is the largest funder of HEBREW FREE LOAN SOCIETY INC?
- JEWISH COMMUNAL FUND is the largest funder on record, with $5,010,763 in grants. The full list of funders is on this page.
- How can an organization like HEBREW FREE LOAN SOCIETY INC find more funders?
- Start with the funders already giving here, then look at the foundations that back similar organizations in New York. The funding by cause and by state pages list the largest funders for a given area and how to approach them.
Play a game about who funds Hebrew Free Loan Society →
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 124 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 14, 2026. What this page cannot tell you · view filing