Microenterprise Loans

HFLS provides interest-free loans of up to $50,000 to entrepreneurs seeking to launch or expand a small business as a path to economic security. Microenterprise loans are repaid over up to five years, with the monthly repayment amount and term determined based on the financial projections of the business. Pre- and post-loan technical assistance is provided as part of this loan program.

For more information about Microenterprise Loans, required documents, and the HFLS loan process, please view the Microenterprise Loans Information SheetOnce you have reviewed the Information Sheet, download and print the application form, cosigner form, and household budget worksheet below.

Please contact Shlomo Haft at (212) 687-0188 x213 or shaft@hfls.org with any additional questions.

The Hebrew Free Loan Society makes interest-free loans to low- and moderate-income individuals and families living in New York City’s five boroughs, Westchester, or Long Island. You can view our income guidelines here.

If you have financial need for an interest-free loan but your household income is higher than the amount listed for your household size, please contact HFLS at (212) 687-0188 or info@hfls.org to discuss whether you qualify for a loan based on your specific situation.