Is it permissible to borrow from charity funds to meet business needs, with the intention of returning them later?

It is impermissible to take from charity funds collected from others because they are a trust, and any disposition of them other than for the purpose for which they were collected is considered an infringement that necessitates restitution. However, if the money is your own and you collected it for the purpose of giving charity, then you may borrow from it or retract your intention to give it as charity, so long as the poor person has not yet received it. Borrowing is more permissible as long as retraction is permissible.