Loans For Entrepreneurs Doing Amazing Things

1. Apply
Fill out a simple online application for lenders to learn more about your business.
2. Lend
Join our community by making a loan to another small business owner on Kiva.
3. Invite
Have your family and friends lend to you to prove your credit-worthiness.
4. Fundraise
Get posted on Kiva, where your loan will be accessible to Kiva's million lenders.
5. Repay
Use your loan to grow your business and return lenders on their investment.

0% Interest, No Fees

The Kiva community provides access to 0% interest loans and a community passionate about helping entrepreneurs in the United States. With over a million lenders, corporate sponsors, and local governments, our network will help you find the resources you need to grow your business.

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"Since we got our [Kiva] loan, our sales have increased by 15% each year. Our loan helped jump start our operations."

Marci & Greg Miller Deep Root Farm, Moscow, ID

“[Kiva] was a simple and straightforward process. It wasn't just a bank. We were able to put faces to those supporting us.”

Sally & Nadia Night Owl Market, Cincinnati, OH

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Character over Credit

Rather than assessing your credit history and financial statements, Kiva uses your character and trust network as a measure of creditworthiness.

First, you will be encouraged to join our community by making a loan to another small business owner. Then, you will be asked to invite a number of lenders to launch your fundraising. Once you have the support of your friends and family, your loan will begin publicly fundraising from our network of over a million lenders - without ever sending us a credit report or bank statement.