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What makes us unique

Yes, 0% interest – no catch. We're a non-profit aimed at expanding access to capital.

Market your product to Kiva's community of 1.6 million supportive lenders.

When you fully repay your loan, we report your good standing to build your business credit.

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"With a Kiva loan, I've been able to grow my shoe business, create 40 jobs, and work towards saving a million tires."

Kyle
Indosole

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"After years of working for someone else, I decided it was time to pursue my dream of bringing the food of my childhood to my new home."

Guadalupe
El Pipila

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"Kiva was really good for us because it reached a lot of people outside our network. We were able to see people all around the world supporting us."

Keely
Tiny Roofhop Farm

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"I have not only been able to accomplish my dream of ownership, but with Kiva lenders' support, I'm moving forward with my dreams of expansion."

Victor
Cafeto Coffee Shop

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Apply

20-30 min

Find out if you're prequalified, then easily fill out our online application.

Invite

Up to 15 days

Prove your creditworthiness by inviting friends and family to lend to you.

Fundraise

Up to 30 days

Go public on Kiva, with your loan visible to over 1.6 million lenders worldwide.

Repay

Up to 36 months

Build your business credit and customer base by repaying your Kiva loan.

Apply now
Time

“The 0% small business loan that's for real.”

Fast Company

“…less impersonal than the data-driven approach taken by mainstream lenders.”

Wired

“Best perk: no interest.”

Here's what you need to qualify

  • You must be living in the U.S.
  • You must be at least 18 years old
  • You must use this loan for business purposes

Frequently asked questions