Kiva Hub

Our mission is to empower small business owners like you by providing access to zero-interest loans, helping you overcome financial barriers and achieve your business goals.

Reimagine creditworthiness with Kiva US

Transform Your Business
with Kiva

We believe that a person’s character and reputation are the true measures of creditworthiness. We facilitate lending to small business owners like you because we know that, despite being the primary employers in the country, small businesses often struggle to access capital. 

Kiva US is here to help you climb the first rung of the capital ladder.

Empowering Small Businesses to Thrive

Why Choose Kiva?

Kiva US offers an innovative lending approach designed to support small businesses with 0% interest loans, no fees, and no collateral required. We help you connect with a community of lenders who believe in your potential.

No Fees and 0% Interest

Pay $0 in fees and 0% interest on your Kiva US loan.

Flexible Loan Amounts

Apply for a loan between $1,000 – $15,000.

Community Support

Gather support from your community.

Global Fundraising

Fundraise with Kiva’s global community of 2.1M+ lenders.

Flexible Repayment Terms

Pay back your loan in 12-36 monthly installments.

Building Stronger Communities

Kiva US in Numbers

In North Carolina, we have a strong presence of Community Development Financial Institutions (CDFIs), with 28 compared to the national median of 21. We excel in per capita CDFI lending at $485, higher than the national average of $433.

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Crowdfunded $50M

Since 2011, we have facilitated the crowdfunding of $50M from 230,000+ lenders to 8,000+ borrowers.

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8,000+ Borrowers

Join over 8,000 borrowers who have successfully funded their dreams with Kiva.
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230,000+ Lenders

Our global community of 230,000+ lenders believes in supporting small business owners like you.

Kiva US
Borrower Journey

1. Complete Application

Take 30 minutes – 1 hour to complete your application at kiva.org/borrow.

2. Await Review

Kiva US conducts social underwriting and a holistic review of diverse criteria.

3. Fundraise

Get support from your own network as well as Kiva lenders around the world.

1. Complete Application

Take 30 minutes – 1 hour to complete your application at kiva.org/borrow.

2. Await Review

Kiva US conducts social underwriting and a holistic review of diverse criteria.

3. Fundraise

Get support from your own network as well as Kiva lenders around the world.

Celebrating Achievements

Real Stories of Impact

Our success is best told through the stories of the businesses we’ve helped. Read testimonials and spotlights on clients who have benefitted from our programs and services, and see the tangible impact of our work in their lives.