JOC GemachJews of the CircleApply now
Community capital, thoughtfully managed

One gemach.
Three powerful experiences.

A dignified path to interest-free help for borrowers. A complete operating system for administrators. A meaningful way for donors to turn generosity into lasting community impact.

Explore all three Borrower portal
0% interest$0 borrower fees100% personal review
BBorrowerClear next steps

$6,750 remaining

AAdministratorOne command center

Portfolio on track

DDonorCapital with impact
✦

Give money, capacity, or both

One connected
community
Choose your view

Built for everyone who makes a gemach work.

01
B

Borrowers

Private help, secure signing, and a portal that keeps every detail clear.

See the borrower experience →02
A

Administrators

Run applications, approvals, documents, servicing, communications, and reporting in one place.

Explore the command center →03
D

Donors

Put charitable gifts, returnable capital, or future cosigner capacity to work.

Discover ways to help →
01 / Borrowers

Help should feel human.
And completely clear.

From the first private application to the final payoff receipt, borrowers always know what is happening, what comes next, and where to find the answer.

Illustrative borrower portalPrivate & secure
OverviewScheduleDocumentsMessages
Good morning

Your loan is on track.

Active
Remaining balance$6,750

55% already repaid

Next paymentAug 12 · $750

Due in 18 days

DocumentsSigned agreement

Ready to download ↓

01A dignified start

Apply without the runaround

  • Guided, confidential application
  • Choose amount, term, repayment style, and cosigners
  • Upload identification securely
  • Human review by the gemach committee
  • Clear counter-offers with accept or decline
  • Edit and resubmit when changes are requested
02No printing or chasing

Sign securely, from anywhere

  • Borrower-first, sequential e-signing
  • Clear split or full-guarantee disclosures
  • Secure bank details entered during signing
  • Completed agreement, note, and audit certificate
  • A signed PDF delivered to every signer
03Clarity after funding

Know exactly where you stand

  • Passwordless borrower portal
  • Current balance and next payment at a glance
  • Complete repayment schedule
  • Signed documents always available to download
  • Calendar download and payoff statement PDF
  • Receipts and funding confirmation in one place
04Flexibility with accountability

Get support when life changes

  • Report a payment for administrator review
  • Request a new term, due day, or next payment date
  • See approved changes reflected in your schedule
  • Thoughtful upcoming and overdue reminders
  • Optional text-message reminders
  • Private access from phone, tablet, or computer
◉
Privacy is structural, not a promise in fine print.

Borrowers see only their own loans. Cosigner contact information, bank data, and other members’ information remain out of view.

02 / Administrators

Run the whole gemach.
Without the patchwork.

JOC Gemach connects the entire loan lifecycle—so judgment stays human while operations become consistent, visible, and far easier to manage.

Sunday, July 19

Good afternoon. Here’s the gemach.

Available to lend$84,250↗ Capital ready
Outstanding$42,7508 active loans
Due this month$4,1256 payments
Needs attention3Review queue
Capital at workLast 7 months
JanMarMayJul
Needs attentionView all →

New applicationReview

Committee vote2 of 3

Payment reportedVerify

One source of truthEvery decision, document, message, and payment stays attached to the right loan.
Judgment stays humanAutomation handles routine follow-up; administrators keep control of the sensitive decisions.
Board-ready visibilityUnderstand liquidity, performance, donor impact, and risk without rebuilding the story by hand.
The complete administrator toolkit

Six connected systems.
One calm workspace.

Built to support the way a real gemach operates—from a new request to the last payment and every conversation in between.

01

Intake & decisions

Move every request through a consistent, human review process.

  • Live application queue and lifecycle statuses
  • Committee voting, notes, and one vote per member
  • Approve, decline, request changes, or counter-offer
  • Requested-versus-proposed term comparison
  • Cosigner count, guarantee, and ID policies
  • Historical paper and Xodo loan importer
  • Held-verification queue with reminders safely paused
02

Signing & funding

Turn an approval into an executed, funded loan without losing the thread.

  • Sequential borrower and cosigner signing chain
  • Resend invitations and manually finalize when needed
  • Adopted administrator signature and countersigning
  • Split-dollar or full joint-and-several guarantees
  • Executed PDF packet with tamper-evident audit record
  • Funding schedule preview and one-step funding action
  • Encrypted bank details with controlled reveal and deletion
  • Borrower funding notice and receipt confirmation
03

Repayment & servicing

Keep the portfolio accurate while giving people room to communicate.

  • Automatic repayment schedule generation
  • Record full or partial payments and issue receipts
  • Correct or unrecord payment mistakes
  • Upcoming, due, and overdue reminder automation
  • Fourteen-day automatic default flag
  • One-click manual cosigner default notice
  • Secure borrower bank-update link
  • Borrower-requested and direct administrator modifications
  • Future unpaid schedule rebuild with before-and-after notices
04

Communication center

A complete history means fewer side spreadsheets and fewer missed follow-ups.

  • Borrower communication threads on every loan
  • Inbound email matching and shared inbox
  • Assign unmatched replies to the correct record
  • Email timeline and delivery logs
  • Send-now and skip controls for scheduled notices
  • Portal-link delivery and borrower contact management
  • Administrator preview of exactly what the borrower sees
05

Reporting & capital

See what the gemach can lend, where it is working, and what needs attention.

  • Available-to-lend, outstanding, due, and overdue metrics
  • Portfolio analytics and trend charts
  • Board-ready PDF report
  • Loan CSV and payment CSV exports
  • Donation and returnable-deposit tracking
  • Donor history and individual impact reports
  • Fund capital and payment-instruction settings
  • Separate secured-loan portfolio and servicing records
06

Security & operations

Controls are built into the daily workflow, not bolted on afterward.

  • Cloudflare Access-gated administration
  • Read-only administrator and board access
  • Audit trail with actor and IP address
  • SHA-256 fingerprints on signed documents
  • Nightly database and document backups with 30-day retention
  • Automated ID cleanup and post-funding bank-data deletion
  • Spam protection, daily servicing jobs, and Monday digest
  • Archive, restore, and controlled permanent deletion
Available now

Step into the borrower’s view.

Administrators can preview the portal exactly as the borrower sees it—including balances, schedules, documents, and actions—making support calls faster and far less confusing.

03 / Donors

Your generosity can
keep moving.

Support the gemach with a tax-deductible charitable gift, offer returnable interest-free capital, or—coming soon—volunteer as a cosigner for a borrower who needs one.

01

Give permanently

Make a charitable gift that expands the pool of interest-free capital.

Tax-deductible gift*
02

Lend the gemach capital

Provide a returnable, interest-free deposit for the gemach to put to work.

03

See your history

Administrators maintain contribution dates, methods, notes, and donor contact details.

04

Understand your impact

Receive a donor-specific report showing the capital and loans your support helped enable.

From gift to impact

Show donors what their support made possible.

Contribution history and donor-specific impact reports help the gemach connect generosity to real capital at work—without exposing borrower details.

Contribution historyCapital supportedLoans enabledPrivate by design
JOC GemachIllustrative impact report
YOUR COMMUNITY IMPACT · 2026
$18,000

of capital supported by your generosity

4 loans helped3 families supported
Generosity that keeps circulating. ✦
Coming soon · Designed, not yet launched

Donate your signature.
Unlock someone’s loan.

Not everyone can contribute money right now. Some people can contribute trust. Our planned volunteer-cosigner pool will let community members make carefully limited guarantee capacity available—while approving every proposed loan personally.

Give money Charitable capital+Offer capacity Volunteer guarantee=Do both More ways to help
Volunteer capacityIllustrative
$25,000

Maximum total commitment

$10,000 committed$15,000 available
✓
Every loan needs your approvalNo automatic matching. No over-assignment.
01

Set your comfort level

Choose an overall maximum and, if desired, a per-loan limit.

02

Stay in control

Pause or withdraw unused capacity at any time—nothing is assigned automatically.

03

Review each person

Receive the details for a specific proposed loan and manually accept or decline.

04

Sign that loan only

If you approve, sign a separate guarantee for that named loan and amount.

05

Never be over-assigned

Reserved and active guarantees count against your limit until payoff or formal release.

* Charitable gifts are tax-deductible to the extent permitted by law. Returnable interest-free deposits are not donations. Donors should retain appropriate records and consult their tax adviser.

Built for dignity. Engineered for trust.

Powerful enough for administrators.
Quiet enough for people.

01

Access stays controlled

Borrowers, administrators, and read-only team members each see only what their role requires.

02

Sensitive data expires

Bank details are encrypted and removed after funding; identification follows defined cleanup rules.

03

Every action is traceable

Decisions, signatures, communications, payments, and modifications leave a useful audit trail.

04

The portfolio is protected

Nightly backups retain thirty days of recovery history while signed PDFs carry tamper-evident fingerprints.

JOC GemachInterest-free help, beautifully handled

One community.
More ways to carry one another.

Apply for help, support the gemach, or bring a better operating model to your own community.

Start an application ↗Talk to the gemach →