Trustees are categorized by a tiered structure that determines the number of endorsements they can make.

Additionally, a Trustee’s tier can help determine the loan size that a borrower qualifies for. Borrowers endorsed by Trustees with a proven track record are more likely to qualify for a larger loan amount.

Trustees are assessed then upgraded or downgraded on a monthly basis, and Kiva does reserve the right to make exceptions on a case-by-case basis. Underperforming Trustees will be paused and unable to endorse future borrowers.

The requirements to reach each tier and the associated credit limits are set out below: