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

Kiva is for any entrepreneur who can use a 0% interest loan to help take his or her business to the next level.  Because we don't look at extensive financial data about you or your business, it’s our hope that we accept everyone that’s serious about their business and our crowdfunding program.  Whether you’re in the idea phase, start-up mode, or an established business, Kiva could be a great option for you.

Entrepreneurs can raise money for any business purpose -- working capital, equipment, inventory, marketing, or project-based investments are all ways you can leverage Kiva to help your business grow. 

To date, Kiva has lent over $850 million dollars to over 1.5 million entrepreneurs around the world through a global network of over a million lenders.  Learn more about Kiva here.

 

Rethinking creditworthiness.

Kiva uses social underwriting to determine the creditworthiness of a borrower.  We will never reject an entrepreneur because of their credit, net worth, or years in business. We believe that creditworthiness can be established by evaluating your character and reputation. We do this in two key ways:

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Overview of the Kiva loan process.

To learn more about the Kiva loan process, please see this brief overview.

 
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
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
 

 Have questions about the Kiva program? Email us at borrowers@kiva.org.