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Loan

Loan

North America

North America

OPEN

OPEN

GRANT · HOW TO WIN THIS

Kiva U.S. Small Business Microloan

Kiva U.S. Small Business Microloan

$1,000–$15,000, repaid over 12–36 months at 0% interest with no fees.

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Rolling — applications accepted anytime.

AMOUNT

$1,000–$15,000, repaid over 12–36 months at 0% interest with no fees.

AMOUNT

$1,000–$15,000, repaid over 12–36 months at 0% interest with no fees.

DEADLINE

Rolling — applications accepted anytime.

DEADLINE

Rolling — applications accepted anytime.

FUNDING TYPE

Loan

CAN YOU GET THIS?

Any U.S.-based business owner 18+ can apply — no credit score, no collateral, no revenue minimum required (except nonprofits).

Any U.S.-based business owner 18+ can apply — no credit score, no collateral, no revenue minimum required (except nonprofits).

You must be in the U.S. (excluding Nevada and North Dakota), not currently in bankruptcy or foreclosure, and free of violent or financial criminal convictions in the last 5 years. The loan must be for business purposes — not debt refinancing or buying equity.

You must be in the U.S. (excluding Nevada and North Dakota), not currently in bankruptcy or foreclosure, and free of violent or financial criminal convictions in the last 5 years. The loan must be for business purposes — not debt refinancing or buying equity.

YOUR REAL ODDS

The review team processes 100+ applications every week, and impactful loans serving underserved communities get priority.

Kiva prioritizes character, community impact, and social capital over financials. Applications with strong personal stories, clear loan purposes, and responsive founders move faster.

WHAT IT TAKES

  1. Submit online application — 30–60 minutes

  2. Kiva reviews your application — Up to 2 weeks (20–25 business days total for approval)

  3. Private fundraising: invite your network to lend to you — 10–15 days

  4. Public fundraising on Kiva's platform — 20–30 days

WORTH KNOWING

Your approval hinges more on your story and community support than your finances — Kiva explicitly states impactful loans get precedence, so a detailed personal story, clear community benefit, and a responsive network willing to back you publicly are your strongest levers.

Apply on the funder’s site →

MORE LIKE THIS

Start Up Loans Scheme

£500–£25,000 (average £10,264); repaid over 1–5 years at a fixed 7.5% annual rate.

UK-based founders at idea stage or trading under 60 months can borrow up to £25,000 at a fixed 7.5% rate.

Kiva U.S. Small Business Microloan

$1,000–$15,000 loan, 0% interest, no fees, repaid over 12–36 months.

U.S. small business owners and early-stage founders can apply for a 0% interest, no-fee loan of up to $15,000 on a rolling basis.

RSF Social Finance Mission-Driven Loans

Loan amount varies; includes lines of credit, term loans, and customized financing.

Mission-driven nonprofits and small businesses in food, agriculture, climate, energy, or education in the USA can apply for a loan.

This is 1 of 1,600+ open opportunities.

This is 1 of 1,600+ open opportunities.

$50B+ in available capital across grants, VC funds, CDFIs, and accelerators. Filter by your industry, stage, and region, and see everything you qualify for.

Explore the funding database →

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