Hebrew Free Loan Association of Northeast Ohio (HFLA) is a non-sectarian 501(c)(3) non-profit organization that loans money interest-free to people who do not have easy access to other capital. The organization has made over 25,000 interest-free loans in Northeast Ohio. Between 97% and 99% of all funds loaned are repaid. HFLA was founded in 1904 with $501 in capital donated by Morris A. Black, Charles Ettinger and Herman Stern. In the first year, loans ranged from $10 to $37 and were all repaid in full. In 1909, the organization made 700 loans, including 288 for peddling and huckstering, 86 for renting or purchasing horses and wagons, 119 for supply stores or pushcarts, 42 for starting a business, 62 for emigration purposes, 42 for hiring carpenters or painters, 18 for tools for mechanics, and 43 for tuition or other uses. More information...
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