Access 0% Interest Business Loans with Kiva

Follow these simple steps to secure capital for your small business through Kiva’s global lending community.

1
Check Eligibility
  • Minimum age of 18
  • Loan must be used for business purposes
  • No MLM, illegal activities, or pure financial investing
2
Create an Account

Visit Kiva.org and find your local lending partner. Complete your profile and answer a few questions to get matched.

3
Complete the Application

Provide details on your business plan, loan amount, and how funds will be used. Expect to spend 30–60 minutes.

4
Prove Creditworthiness

Invite friends and family to lend to you. Building social capital boosts lender confidence.

5
Fundraise

Once approved, your profile goes live on Kiva’s site for up to 30 days to raise funds from a global audience.

6
Repayment

Choose a plan from 6 months to 3 years. Kiva’s flexible schedules adapt to your cash flow.

Find Kiva Lending Partners in Your Country