Addresses small businesses and start-ups need for capital when traditional lenders are unwilling to take on the risk. HFLA’s 0% interest loans enable businesses to meet demand and grow their company. Loan applicants must be businesses located in the 8 county service area (Cuyahoga, Geauga, Lake, Lorain, Mahoning, Medina, Portage and Summit) that are unable to obtain the money from a conventional lender or other sources. Maximum loan amount is $10,000.