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Kiva is a crowdsourced micro loan provider, aided through the backing of MAXIMA loan services.

By lending as little as $25 on Kiva, anyone can help a borrower start or grow a business, go to school, access clean energy or realize their potential. Through this principle Kiva provides micro loans with no interest and no additional fees.


How does Kiva work?

– A borrower applies for a loan.

– The loan goes through the underwriting and approval process.

– The loan is posted to Kiva for lenders to support.

– Borrower repays the loan.

– Lenders use repayments to fund new loans, donate or withdraw the money.



Unlike traditional bank loans, Kiva loans don’t require a minimum credit score, years of cash flow documents or collateral. But you do need to meet the following minimum criteria in order to be considered:

  • You and your business must be based in the United States.
  • You must be over 18 years old.
  • You must be using the loan for business purposes.
  • Your business must not be engaged in any of the following activities: multi-level marketing / direct sales; illegal activities (e.g. gambling, scams); or pure financial investing (e.g. stocks)
  • You cannot currently be in foreclosure, bankruptcy, or under any liens.
  • You must be willing to demonstrate your social capital by having a small number of your friends and family make a loan to you.


To apply for a Kiva loan:

Fill out the online application at: https://pages.kiva.org/borrow/start

Contact details:

Tel: (828) 479-5482


875 Howard Street, Suite 340

San Francisco, CA 94103 USA


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