From the moment someone applies for a loan to the day it's paid back — applications, lending, banking, donations, reporting, and the books. All in one place, all in sync.
Open Mitzvah Manager and it tells you exactly what needs attention today: checks to deposit, overdue payments, bounced items, applications waiting, and transactions to post. Below that, your live available-to-lend balance and your real impact.
Stop chasing paper. Borrowers apply and sign online — you review and approve in one click.
Send a secure application link by email (or share it directly) — applicants don't need a login. They fill out the form and sign electronically. Every submission lands in your review queue.
Connect your bank and every transaction flows into a running register. Classify each line in one move and your books always match the bank.
Click any line in the register and a shelf slides out. Tell it who the money belongs to — a borrower loan, a tzaddik, a donor, a vendor expense, a transfer, or a bank fee — and the row reconciles to Done. Keyboard shortcuts and auto-advance let you clear a whole day in minutes.
An NSF check isn't just a flag — it's a case. Post the bounce to the borrower's loan, add an NSF fee, notify the borrower by email or text, then apply their replacement payment when it clears. The case closes itself once the balance is covered.
Point your phone at a check and AI reads the amount, check number, routing, and account number. Scan them one at a time or in a batch.
Issue loans by printing checks with your payor details and signers, then track each one as outstanding, cleared, voided, or stopped.
That drawer of post-dated checks becomes a dashboard — deposit-by dates, overdue alerts, and reminders sent before each deposit.
Mitzvah Manager keeps three relationships separate so your books make sense: repayable contributions, outright donations, and the vendors you pay.
See what each tzaddik has contributed, what's been returned, what they've donated, and their current repayable balance — with full transaction history and term notes.
Track individual and organizational donors, record donations manually or automatically from bank activity, and deliver donation receipts — automatically once a donation is reconciled.
Track the vendors and utilities the Gemach pays so outgoing transactions in the register are classified correctly — real bookkeeping, not just loan tracking.
Diagnose delinquency and data issues before they become problems — healthy vs. stale vs. no-schedule — with one-click fixes so overdue tracking and forecasts stay accurate.
Payment and deposit reminders send themselves, by email or SMS (with consent). Every message is logged in one place with delivery status.
See projected available funds based on scheduled repayments and check deposits, so you know when you can say yes to the next loan.
A unified communications log shows every email and text you've sent — recipient, type, and delivery status — with export for your records. No more wondering whether a reminder actually went out.
Twenty reports across your fund, borrowers, lenders, checks, and operations — plus a genuine Chart of Accounts and a QuickBooks-style General Ledger.
Fund Summary, Monthly Activity, Year-End, Active Loans, Overdue, Loan Aging, Payment Collection, Co-Signer Activity, Tzaddik statements, held-check and NSF reports, cash-flow projections, document compliance — and more.
Run the register in simple buckets or with full Chart-of-Accounts numbers, and generate a QuickBooks-style General Ledger with debits, credits, and running balances. Serious books for a serious fund.
Map a viewer login to a single tzaddik so a lender can log in and see only their own contributions and balance. Transparency that builds the trust your fund runs on.
Require two-factor authentication, set session timeouts, and require typed confirmation before anything is deleted. Invite your team with role-based access — Owner, Admin, Member/Operator, and Viewer.
Invite admins, volunteers, and board members with exactly the access they need.
Phone, tablet, or computer. Nothing to install — just log in from any browser.
Loan agreements, IDs, and voided checks stored with each profile — PDF, DOC, or image.
Real people who understand Gemach operations — typically within 30 minutes.
Schedule a demo and we'll walk you through exactly how Mitzvah Manager handles your Gemach — applications, lending, banking, and the books.
Schedule a Demo