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Crowdfund your dream,
change your life.

0% interest loans for
US small businesses

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.

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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."


Picture of Kyle
Picture of kitchen

"After years of working for someone else, I followed my dream of bringing the food I grew up with to my new home."

El Pipila

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Picture of vine

"Kiva was really good for us because it reached a lot of people outside our network."

Tinyfield Roofhop Farm

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Picture of coffee

"I've been able to accomplish my dream of ownership, and with Kiva lenders' support, I'm moving forward with my dream of expansion."

Cafeto Coffee Shop

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20-30 min

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


Up to 15 days

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


Up to 30 days

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


Up to 36 months

Build your customer base by repaying your Kiva loan.

Apply now

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

Fast Company

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


“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