Every week our review team looks at over 100 loan applications, we will prioritize loans that meet these four qualifications.

Once your loan is submitted, the Review team at Kiva HQ will take a week or less to review your application. The Kiva Review Team looks at every submitted application and determines your approved loan size and the number of lenders you must invite to be approved.  


1) Profile Quality

We prioritize borrowers who have high quality loan applications with clear photos, detailed loan purposes, and well thought out personal stories and business descriptions.  Learn more here.

2) Business Validation

We prioritize borrowers with websites and social media links, as it’s a requirement to validate that your business exists.  If we can’t do that based on your application, you will need to send us a photo of your business license.  

3) Loan Requirement

As part of our review process we recommend that borrowers make a $25 loan to another fundraising borrower on Kiva.  Borrowers who have made a loan will be reviewed first.  We ask this to help you understand a lender's experience before launching your own campaign and because we want all borrowers to show their support of Kiva as a reciprocal community creating economic opportunity for all.

4) Responsiveness

We speak with every borrower on the phone before we post your loan.  We give priority to borrowers who are highly responsive.  The final step in the approval process is a phone conversation from our Review team to explain your approved loan size and terms. So make sure the phone  number you listed is working! Next, your profile will go live and you can begin private fundraising.


If you have any questions, please contact us at borrowers@kiva.org. We’ll make sure a human gets in touch with you!