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Kiva Is Truly Interest-Free

Kiva is a non-profit that provides entrepreneurs in the U.S. with access to 0% interest capital, crowdfunded by a community of over 1.5M supportive lenders. Join 2M entrepreneurs that have raised over $850M on Kiva today! 

Jamai of Animal Instincts Apparel posing with his sweatshirt designs.


Animal Instincts Apparel


Nomad Boutique

Borrowed $5,000 to create new designs, purchase tags and labels, and expand his distribution. 

Borrowed $5,000 to make improvements to her nursery and purchase a portable greenhouse

It's Easy To Qualify For A Kiva Loan

At Kiva, we believe in character over credit and the power of community-based lending. Because of these beliefs, we provide funding opportunities for entrepreneurs where conventional lenders won't.

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

Ready To Get Started? Want To Learn More?

Applying is easy and it won't affect your credit score!

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Kiva is a 501(c)3 U.S. nonprofit fueled by passionate people. Founded in 2005, and based in San Francisco, with offices in Nairobi and staff around the globe. 

Grow your business with Kiva

• Borrow up to $10,000 over 36 months

• Finance your business at 0% interest

• Build your business credit

"The 0% Small Business Loan That's For Real"

"'s less impersonal than the data-driven approach taken by mainstream lenders."

"Best perk: no interest."


Animal Instincts Apparel

Yolanda of Pollinate Farm & Garden poses with one of her chickens.


Pollinate Farm & Garden

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