Yet another positive commandment one is likely to violate by not extending a loan — and is the central one in this area — is the specific mitzvah to extend loans. The Torah instructs: When you lend money to My people, to the poor man among you (Shemos 22:24). Our Sages explain that although the Torah uses the word im [אם], which literally means “if,” here it means “when” and the instruction is not optional but obligatory: one is obligated to extend a loan to a poor person when he is pressed for funds. The Torah repeats this injunction and says: Extend to him any credit he needs (Devarim 15:8), which is an additional mitzvah regarding loans.
כ״ז בתשרי ה׳תשפ״א
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