Hi,
Lending money is a mitzvah; it is considered to be greater than the mitzvah of giving tzedakah, where the recipient has not already fallen into a state of needing to receive outright gifts.
(Shulchan Aruch Choshen Mishpat 97:1; Pitchei Choshen Halvaah 1:1)
Have a great day,
Mordechai
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