Kiva is a crowdfunded loan platform for small businesses. Kiva provides zero-interest, zero-fee loans. Individual lenders from around the world fund these loans in increments, typically $25 each.

You can borrow between $1,000 and $15,000

The process has three main stages:

1. Application Submission: Meet in person to gather documents and submit the application.

2. Private Phase: You’ll need to get a set number (5–10) of friends, family, or clients to lend $25 each.

3. Public Phase: Once the private goal is met, your profile goes live on Kiva's platform, and the global community can fund the rest of the loan.

You don’t need all documents to start, but here’s what’s ideal:

• Business bank account statement or documentation

• Articles/Certificate of Organization or Incorporation (or DBA certificate)

• Signed and dated Operating Agreement (LLC) or Bylaws (Corp)

• IRS EIN document (if applicable)

• Any relevant business licenses or tax permits

Note: Make sure all documents have matching names and addresses.

Yes. You must provide a horizontal photo of yourself visibly connected to your business (e.g., in front of your office, wearing branded apparel, etc.).

Yes, three short paragraphs (max 300 words each):

1. Your personal story

2. The story of your business

3. How you will use the loan

Send these to your hub contact for review.

There are three main phases:

• Application & Approval (takes about 5 days)

• Private Funding Phase (within 2 weeks)

• Public Funding Phase (your loan is visible to Kiva’s 2.2M+ global lenders for up to 30 days)

Contact your Kiva Hub representative to schedule a call or in-person meeting to move forward.