Jim Massara

We’re a nonprofit that provides interest-free loans to help Jewish individuals in Northern California overcome financial challenges and pursue life dreams. In addition, we offer loans to non-Jewish residents in Northern California who meet one of the following criteria: • Student from a lower income home who is referred by a partner agency: hflasf.org/pollak • Employee of a Jewish organization • Business partner or immediate family member of a Jewish individual As loans are repaid, funds are recycled to make new loans. We’ve proven the success of this model with a repayment rate over 99%.