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.