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Private fundraising period

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Improve Your Application

Improving your application

Your application has been held back because it does not yet meet the minimum requirements. To advance your application, please review the application requirements and make the necessary improvements to your profile.

Prepare For Pfp

Prepare for the "Private Fundraising Period"

Once posted, your loan will enter into the “Private fundraising period, or PFP”. This is a 15-day period where you will be asked to recruit the first 5-35 lenders on your loan from within your personal network.

Conventional lenders charge higher interest rates to riskier businesses — such as startups. On Kiva, such riskier businesses may be asked to recruit slightly more lenders during PFP — but still pay no interest!

Review And Approval Process

Kiva review and approval process

Your application has been submitted! Over the next few business days, the Kiva Team will reach out via phone to explain next steps and answer any questions you have.

Lend To Another Entrepreneur

Lend to another entrepreneur like you

If you haven’t already done so, we encourage you to make a loan to another fundraising entrepreneur on Kiva. This will help you better understand the lending experience for your supporters, as well as show us your commitment to our community.

Your Photo Is Valuable

Your photo is worth $1,000 (at least)!

Your photo can affect your fundraising speed more than anything. Make sure your photo is the best it can be by visiting our photo guidelines. To submit a new photo, email us at borrowers@kiva.org.

Get Support

Get your friends and family to support you

Kiva relies on a borrowers friends and family to vouch for their character by lending to them. Show your community is behind you!

Use Social Media

Use your business' social media

Having a link to your Kiva page on your business website, Facebook page, Twitter, etc. is a great way to direct people to your loan. Reach out to your customers and share your link on all promotional materials to market your business and your loan at the same time.

Receiving Your Loan

Receiving your loan

Your loan will be disbursed to your PayPal account within 5-7 business days. Your first repayment will typically be due on PayPal one month after the disbursal of your loan, unless you have a grace period. Please ensure that your PayPal account is linked to your bank account so you can easily transfer the funds from PayPal into your account.

Thank Lenders

Say thank you to lenders

Your lenders are your biggest fans! They love hearing updates about your business, especially now that you've fully funded your loan. They receive no other return on giving you money, so your words and dedication are their only real return on investment. Remember, the savviest borrowers are ones who leverage their lenders to be their cheerleaders, brand ambassadors, business advisors, and maybe even their customers!

Payment Through Paypal

Making a payment through PayPal

To make a repayment, you can either click the button above, wait for the reminder email or follow the steps below:

  1. Login to PayPal
  2. Select “Pay or Send Money” at the top of the page
  3. Select “Send money to friends or family”
  4. Send your payment amount to paypalzip@kiva.org
  5. Click “Send” and you should receive a confirmation email!

Back On Track

Getting back on track

It looks like you're currently behind on your loan repayments. Whether that's because of a technical issue or trouble with your business, we're here to help! Contact us at borrowers@kiva.org to get back on track.

Updating Lenders

Updating lenders leads to loyal customers

Your lenders would love to hear how business is going! Click the link below to tell them how you’ve used the loan, how it has impacted your business, how things have been progressing, and or what your plans are for the future.

Refer Another Borrower

Refer another borrower

Do you know another borrower who could benefit from a Kiva loan? Share your unique referral link below, and receive perks from us if they fully fund with their Kiva loan!

Apply For More Funding

Apply for more funding

Now that you successfully repaid your loan on Kiva, you join the ranks of our special community of Kiva borrowers eligible for another loan.

Apply Again

Apply again

We know that it can be a tough process the first time around fundraising for a Kiva loan. If you made it to at least 50% of your goal, you may be eligible to apply again.

Tell Us Your Story

Tell us your story

How has Kiva affected your life? Your story can be short and sweet, or long and detailed. It can be inspiring, funny, cute, awkward, or any combination thereof. Ready to share? We're all ears.

Auto Repay

Sign up to repay automatically

Never miss a payment by signing up to automatically make payments through your PayPal account. As your Kiva payments impact your business credit score, we want to help you make every payment on time. Click the button below to learn more.

Loan Status Funded

Your loan is 100% funded and will be disbursed to your PayPal account within the next 5-7 business days. In the meantime, consider thanking your lenders by clicking the button below!

Total loan: $10,000

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Loan Status In Review

Your loan application is currently under review by the Kiva team. You should expect to be contacted within a few business days regarding next steps with your application.

Total loan requested: $10,000

Loan Status Refunded

We're sorry that your loan was refunded. At Kiva, loans are refunded when loans violate our fraud policies or if the decision has been driven by you as the borrower.

Loan Status Rejected

Unfortunately, the loan application did not meet our minimum requirements. To apply again, please make sure to read over our requirements to have a better chance of being approved.

Total loan requested: $10,000

Loan Status Flagged

Looks like there was an issue with your loan application. Please be sure to check your email to know what you need to do in order to revise your application and continue with the review process.

Loan Status Repaid

Congratulations! Your loan has been fully repaid.

Total loan: $

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