There is another positive commandment one is likely to violate by not extending a loan. If the person requesting the loan is on the verge of financial collapse, and by extending a loan to that person it is possible to support him enough that he will not need charity, then one who withholds a loan transgresses a positive commandment, as it is written: When your brother becomes impoverished and loses the ability to support himself in the community, you must come to his aid (Vayikra 25:35). This mitzvah is fulfilled by giving him a gift, extending a loan, forming a partnership with him, or giving him a job so that he will not need charity.
כ״ד באייר ה׳תשפ״ב
Hashem says to you what is the best and what he demand from you, just do good deeds and Ahavas Chessed and meekness with Elokecha (Micha 6,8) 1