At Kiva, we're reinserting human relationships into our financial system.

Established in 2005 as the world's first personal micro-lending website, Kiva enables everyday people to pool lending contributions as little as $25 to provide financial access to entrepreneurs in developing communities across the globe. Since its beginning, serving loans to a handful of fishmongers in eastern Uganda, Kiva has grown to enable over 1.7M lenders worldwide to lend a combined $1.2B to more than 2.6M entrepreneurs in 89 countries around the world. 

Kiva has been able to reach this global scale while still maintaining a 97% repayment rate. Kiva's success has garnered worldwide recognition and accolades. In 2008, Kiva was named a TIME magazine Top 50 website. In 2011, The Economist honored Kiva with their Innovation Award. 

After the success of the international model, Kiva recognized the need to tackle financial exclusion by supporting local entrepreneurs in the U.S. and started the Kiva U.S. program in 2011, originally named “Kiva Zip”. Entrepreneurs apply directly to Kiva’s U.S. site to fundraise on the platform and are connected to millions of Kiva lenders. It also enables local lenders to make direct loans, as little as $25 to entrepreneurs in their neighborhoods. Since its beginning, Kiva U.S. has facilitated the crowdfunding of $29 Million from 230,000 Lenders to 5,500 Borrowers.

The Kiva U.S. Program has two primary objectives:

  1. Increase access to capital for small business owners who might not otherwise be served by traditional financial institutions

  2. Connect Kiva's 1.7 Million lenders and inspire more local lenders to support borrowers

what is a hub?

With nearly a decade of lending in the US, Kiva is growing its US impact through the Kiva Hubs model which aims to expand access to small business loans to the financially excluded l, com by city, community by community.

The Kiva Hub Partnership is a plug-in lending tool and risk-tolerant loan fund that can layer into a community’s existing economic development ecosystem.

Through the Kiva Hub Model, an organization leverages relationships to source and support entrepreneurs in need of financing.  Kiva provides the backend underwriting, fraud protection, disbursement and collection technology. Through such a partnership, financially excluded entrepreneurs will be able to access free, zero-interest loan capital at greater scale, sparking local economic development for women, minority, and low-income communities through small business growth.

A Kiva Hub can be set up within…

  • A local city government

  • A nonprofit organization with a mission encompassing financial inclusion and entrepreneurship

  • Community lender / CDFI

  • An industry-specific organization that serves a population (ex: farmers, refugees, etc) who could benefit from Kiva loans 

Hubs in addition to supporting borrowers to access Kiva’s loans, Hubs connect them to local resources, such as technical assistance providers that can assist them as they grow their capacity.

Rethinking creditworthiness.


Through Kiva, Our partners are able to: 

Reach the most underserved populations without taking the risk themselves. Kiva loans are backed by 1.7 Mm lenders who are lending for impact, not returns. 

Ensure their entrepreneurs are not held back due to a lack of financing. x% of Kiva loans are made to clients that have never received financing.

Access and build a pipeline of clients that are attracted to Kiva’s 0% financing. Communities with Hubs see a 200% increase in loans funded.

Bring in outside from lenders from the Kiva community, loan matchers, donors & foundations. Engage multiple stakeholders and Increase community.

Create and track impact. Kiva provides Hubs an exclusive level of access to impact data (include visual of sample report).

Launch cost-efficient lending programs to attain their economic development goals. Comparable micro-lending programs can cost a minimum of 250k to bootstrap, Kiva Hubs are a tenth of the price. 


a snapshot of our impact

“The program has been a mutually beneficial partnership with Kiva bringing the brand, back-end, resources, and framework to lend, while the city has the people and the business owners that need the resource. We have developed a whole strategy around the program to deploy it in a way that makes the most sense for our community.” - Amy Ventura, Department of _____, City of Rochester 

“Quote goes here blah blah blah” - Person’s name, WWBIC, Wisconsin

Where are the current Kiva Hubs?