"...it's less impersonal than the data-driven approach taken by mainstream lenders."
"Best perk: no interest."
Small Business
Loans In
Get up to $15,000 for your small business in your city from Kiva's community of 1.5m lenders, and at 0% interest.
As featured on
“The small 0% business loan that's for real”
Kiva's Mission
Kiva expands access to capital and lowers the cost of that capital for U.S. entrepreneurs by providing 0% interest, crowdfunded loans, raised via our network of 1.5 million supportive lenders around the world.
With no minimum credit score or collateral requirement, Kiva US loans are designed to be inclusive of entrepreneurs from financially excluded communities. Kiva lenders may even become customers, brand advocates, and entrepreneurs' biggest fans.
How it works
Apply
Find out if you're prequalified, then easily fill out our online application.
Invite
Prove your creditworthiness by inviting friends and family to lend to you.
Fundraise
Go public on Kiva, with your loan visible to over 1.5 million lenders worldwide.
Repay
Build your customer base by repaying your Kiva loan.
Requirements
You must be living in the U.S.
You must be at least 18 years old.
You must use this loan for business purposes.
Why Kiva?
Loans up to $15,000
Build your customer base by repaying your Kiva loan.
No joke: we don't charge interest! We're a nonprofit dedicated to small business.
No Interest Payments
Free Marketing
Market your product to Kiva's community of 1.5 million supportive lenders.
Build your customer base by repaying your Kiva loan.
95% Finding Success
Success Stories
Elise | Jerk Shack
Borrowed $10,000 towards a food truck selling Caribbean food in Manhattan.
Borrowed $5,000 towards a food truck selling Vietnamese food in Louisville.
Jimmy | Mai Oh Mai
Chan | BBQ Deck
Borrowed $10,000 towards a food truck selling "Kansas City-meets-Memphis" BBQ in Louisville.
Lending through Kiva involves risk of principal loss. Kiva does not guarantee repayment or offer a financial return on your loan.
© 2021 Kiva. All rights reserved.
Kiva is a 501(c)3 U.S. nonprofit fueled by passionate people. Founded in 2005, and based in San Francisco, with offices in Bangkok, Nairobi, Portland and staff around the globe."