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Small Business Owner

Community-Backed Loans. We Care About Your Character, Not Your Credit Score.


Kiva loans help entrepreneurs gain access to capital by providing no-interest, no-fee community-backed business loans on its global online platform. Kiva loans range from $1,000 to $15,000 for up to three years. 

How to Borrow
Kiva’s unique community-backed model helps business owners access loans with the help of their communities. (Nonprofits with earned income streams are eligible for Kiva loans, too.)

Kiva determines the loan amount based on many factors, including finances, social media presence and quality of narrative. Kiva loans can be used for many different business expenses. 

Minimum Requirements

  • Business is based in the U.S.

  • At least 18 years old

  • Debt to income ratio is lower than 80%

  • Not in current bankruptcy or foreclosure

  • Not a registered sex offender or terrorist

  • No violent or financial criminal convictions in the last five years

  • Must have a PayPal account to receive funds


As Kiva’s local operating partner, Kiva BEMC works with borrowers throughout the application process, fundraising and repayment process to help them succeed.

Contact Saville Williams at if you are interested in applying for this opportunity.  

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