Kiva U.S. Microloans
0% interest crowdfunded microloans up to $15,000.
About
Kiva provides 0% interest microloans up to $15,000 to small businesses through crowdfunding. Loans are funded by individual lenders worldwide and can be used for inventory, equipment, or working capital.
Kiva U.S. Microloans offers an accessible financing solution for small business owners and social enterprises seeking growth capital without traditional bank barriers. This crowdfunding-based microloan program provides 0% interest loans ranging from $1,000 to $15,000, making it ideal for entrepreneurs who need funding for inventory purchases, equipment acquisitions, or working capital to sustain operations. Unlike conventional lenders, Kiva connects borrowers with a global network of individual lenders who believe in supporting small business growth and economic empowerment. The program is particularly valuable for social enterprises and mission-driven businesses focused on poverty alleviation and economic equity. With rolling application deadlines and no interest charges, Kiva U.S. Microloans removes financial barriers that often prevent underserved entrepreneurs from accessing capital. This program is perfect for business owners seeking flexible, affordable financing to scale operations, launch new initiatives, or stabilize cash flow without the debt burden of traditional loans. Entrepreneurs across the United States can leverage Kiva's platform to turn their business vision into reality while building relationships with lenders who share their commitment to economic justice and community impact.
Grant Details
Grant Amount
$1K - $15K
Deadline
Rolling
Grant Type
Crowdfunded Microloan
Application Cycle
Rolling (apply anytime)
Best For
U.S. small businesses, social enterprises, mission-driven entrepreneurs focused on poverty alleviation and economic equity
Eligibility
US small business, Social enterprise preferred
Focus Areas
Impact Areas
Frequently Asked Questions
Who is eligible for Kiva U.S. Microloans?
Kiva U.S. Microloans are available to U.S.-based small businesses, with preference given to social enterprises. For specific eligibility requirements and to confirm your business qualifies, visit the official Kiva website at kiva.org.
How much funding does Kiva U.S. Microloans provide?
Kiva U.S. Microloans range from $1,000 to $15,000 per loan. The specific amount you may receive depends on your business needs and crowdfunding success.
What is the interest rate for Kiva U.S. Microloans?
Kiva offers 0% interest microloans, meaning you repay only the principal amount borrowed with no additional interest charges. This makes Kiva an exceptionally affordable financing option compared to traditional lenders.
What can Kiva U.S. Microloans funding be used for?
Kiva microloan funds can be used for inventory purchases, equipment acquisition, working capital, and other legitimate business expenses. Visit kiva.org for detailed guidance on approved uses specific to your business type.
How do I apply for Kiva U.S. Microloans?
Applications are submitted through the Kiva platform at kiva.org. The process involves creating a borrower profile, providing business details, and describing how you'll use the funds. With rolling deadlines, you can apply at any time. Visit the official website for step-by-step application instructions and current requirements.
Last updated: March 1, 2026