Small Business Loans

No interest loans to ensure Texas small businesses remain vibrant and continue to power our community.


Dallas Hebrew Free Loan Association provides interest-free loans up to $20,000 to cover expenses required to grow and sustain business operations.

Term: Payable in equal monthly installments over 48 months (four years). The first payment is due the month following loan origination.


  • You must meet DHFLA’s general requirements (see below).
  • You must be 21 years-old or older.
  • Borrower can be an individual, partnership or corporation.
  • Individual borrowers must be Jewish; the majority of partners, c-suite executives or board members of a partnership or corporation must be Jewish .
  • You must submit a completed loan application, ACH form and a copy of a valid government-issued photo ID.
  • All guarantors must submit a completed guaranty agreement, information release form and a copy of a valid government-issued photo ID.
  • You cannot be in or considering bankruptcy.
  • You cannot be a borrower or guarantor on another outstanding DHFLA loan. 


  • Submit a business plan using DHFLA’s Business Plan Template (see above). 
  • Provide a copy of applicable business licenses or permits. 
  • Submit previous three years business tax returns (existing businesses) or personal tax returns (startup and new businesses).
  • Obtain two qualified guarantors, one of which lives in DHFLA’s lending area.
  • Guarantors cannot live at the same address. Spouses and partners are considered co-applicants, not guarantors. 
  • Local clergy cannot serve as guarantors. 
  • Guarantors cannot have an outstanding DHFLA loan. 


  • Previous three years business balance sheets and income statements.
  • Current budget with expenses and revenues.


  • Minimum 12-month pro-forma income statement (projected profit and loss)—a 24-month pro-forma is preferred.
  • Projected startup costs.

If you are concerned about meeting the guarantor requirement for small business loans, please contact us at 469-206-1639 to discuss the circumstances. We’re here to help, and we may be able to make exceptions to certain requirements.

small business loans




To qualify for a loan, applicants must meet the following minimum requirements. Some loan types have additional qualifying criteria. Visit the loan page for the program for which you want to apply for details on what is required to be considered for a specific type of loan.

  • Be a member of the Jewish community.
  • Reside for at least six months in Collin, Cooke, Dallas, Denton, Ellis, Fannin, Grayson, Hood, Hunt, Johnson, Kaufman, Montague, Palo Pinto, Parker, Rockwall, Somervell or Wise Counties, or any other county in North Central or East Texas that includes Longview, Texarkana, Tyler, Waco or Wichita Falls.
  • Be 18 years-old or older, unless otherwise noted.
  • Demonstrate need.
  • Show creditworthiness.
  • Cannot have an outstanding DHFLA loan.
  • Cannot be serving as a guarantor on a current DHFLA loan.
  • Have two creditworthy guarantors, unless otherwise noted.
  • Provide a valid government-issued photo ID.


  • Identify which loan type meets your needs. If you’re unsure, contact the Dallas Hebrew Free Loan Association office: 469-206-1639 or
  • Complete the appropriate loan application and submit with our online form, by email to or by mail.
  • Obtain guarantors and ask them to complete and submit the guarantor paperwork to
  • If you are a qualified applicant, you will be contacted to schedule a loan interview by Zoom with members of the DHFLA loan committee. You may be asked to submit additional information.
  • A loan decision will be communicated to you by the loan officer following the interview.
  • If approved, funds will be disbursed following communication of the credit decision.
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No interest loans for the Greater North Texas Jewish Community

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Mailing Address:
PO Box 671235
Dallas, TX 75367-1235 

Physical Address:
5402 Arapaho Rd
Dallas, TX 75248

Hours: Monday–Friday, 10 am – 6 pm
Phone: 469-206-1639

What We Do

Dallas Hebrew Free Loan Association (DHFLA) provides interest-free loans to members of the Jewish communities in Collin, Cooke, Dallas, Denton, Ellis, Erath, Fannin, Grayson, Hood, Hunt, Johnson, Kaufman, Montague, Palo Pinto, Parker, Rockwall, Somervell and Wise Counties, and any other county inclusive of Wichita Falls, Texarkana, Tyler, Waco and Longview, Texas.

Member of the International Association of Jewish Free Loans (IAJFL). We are a nonprofit 501c3.

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