Kiva U.S.

Rethinking creditworthiness and expanding financial access in the U.S. since 2011.

Information about Kiva U.S.'s impact; FAQs for applicants, current Kiva U.S. borrowers, and future borrowers alike; guidance on how to partner with Kiva U.S.; and more.

Applying for your 0%-interest, zero-fee Kiva U.S. loan.

For current and future loan applicants.

I'm ready to apply!

Crowdfunding your Kiva U.S. loan.

What it is v. isn't, what leads to success, and more.

Tips for successfully repaying your loan

How to repay the lenders near and far who funded your loan and believed in you from the start.

Business Support for you

Webinars, coaching, mentorship opportunities, and more.

Spanish resources for Kiva U.S. applicants and borrowers

See resources here

Kiva U.S. Impact

Learn about how we're addressing financial inclusion for systemically marginalized communities in the United States.

Partner with Kiva U.S.

Are you passionate about expanding financial access? Do you connect small business owners and entrepreneurs in your local community with capital + technical assistance? Let's chat.

Kiva U.S. Hubs

Kiva U.S. Trustees

Learn more

What Kiva U.S. partners are saying

"I think Kiva U.S. fills a gap in the capital stack that no one else does. Kiva is the best first funding option for people who cannot get a grant or raise money from their family, and now with business credit building in place, that adds even more value to the offering."

Kiva U.S. Hub Build Institute (Detroit, MI)

"The mission and vision of Kiva is right in line with the kind of work we are doing and how we are hoping to support entrepreneurs. Not only has it been so very well received here in Iowa, the onboarding has been excellent. I feel supported throughout this entire experience, and as we start to see the impact of this micro-lending platform here in Iowa, we can't wait to bolster the Kiva offerings with other wrap-around support and resources for Iowa business owners."

Kiva U.S. Hub NewBoCo (Cedar Rapids, IA)

"True impact can be made if you care about underrepresented people having the right to experience the joy and success of operating a small business in the USA."

Kiva U.S. Hub Startup Junkie (Fayetteville, AR)

Lola, Kiva U.S. Borrower

Business: Umi Organic

"Cash is a lifeline, and Kiva's zero percent interest model is a gift for small businesses seeking to grow thoughtfully."

Juan Carlos, Kiva U.S. Borrower

Business: Ceviche Pacha

“I felt so happy that people would help me get a loan - it meant that they believed in me.”

Rosie, Kiva U.S. Borrower

Business: Whimsical Charm

“The Kiva loan has really opened up so many different opportunities and it’s been a huge blessing for me and I’m just very happy to be able to do what I’m doing.”