GRANT · HOW TO WIN THIS
£500–£25,000 (average £10,264); repaid over 1–5 years at a fixed 7.5% annual rate.
Rolling applications — apply at any time.
FUNDING TYPE
Loan
CAN YOU GET THIS?
YOUR REAL ODDS
Over 100,000 businesses have been funded with more than £1 billion lent, suggesting a relatively accessible scheme.
Applications are assessed individually against eligibility and creditworthiness criteria rather than through a competitive selection process, so your odds depend more on your application quality than on beating other candidates.
WHAT IT TAKES
Check eligibility and use the loan calculator — 30–60 minutes
Prepare required documents (ID, proof of address, bank statements, visa if applicable) and write a business plan and cash flow forecast — Several days to 1–2 weeks
Submit application online — 1–2 hours
WORTH KNOWING
Free 12-month mentoring and support writing your business plan and cash flow forecast come with the loan — using this support during the application process can strengthen your submission.
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Kiva U.S. Small Business Microloan
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U.S. small business owners and early-stage founders can get a 0% interest loan up to $15,000 with no minimum credit score.
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$19/month · cancel anytime