The Loan

0% interest loans up to $15,000

Repayment terms of up to 36 months, grace periods are available for agriculture businesses

Funded by hundreds of lenders from around the world in increments of $25

You qualify for 2x your first loan if you pay it back on time and apply for a second

Who is eligible?

A Kiva U.S. borrower must…

Be at least 18 years old

Not currently be in bankruptcy or foreclosure

Use the loan for a legal business

Have a PayPal account or the ability to set one up

How does it work?

Entrepreneurs that meet the minimum requirements can apply for a 0% interest loan from $1,000-$15,000.

After an application gets reviewed by the Kiva Kansas City small business advisor, borrowers enter into a private fundraising period. They invite 20-25 family, friends, customers, and community members to be their first lenders.

After the private period the loan then goes public on the Kiva website where any lender around the world can support their business.

Once the funding goal is met, the funds are disbursed and repayment begins one month later.

Borrowers can come back and borrow again as many times as they need to as long as they payback their loans on time.

Character Over Credit Score

Kiva and The Black MasterMind Group care about you character, rather than your financial background.

You are not barred from a loan for not having strong credit scores, collateral, business plans, or financial statements.

You establish your reputation and community of support by inviting lenders from your network. Unlike other crowdfunding platforms, the Kiva community of 1.9 million lenders funds the majority of the loan amount.

Crowd Capabilities

Gain free marketing exposure to 1.9 million potential customers and champions for you business. Established connections to people who can support your businessJoin the global community of millions of people committed to empower entrepreneurs around the world.

What can you do with $15,000?

Here’s a few ideas for Kiva loans!

Upgrade equipment and renovate your space

Gain working capital or add inventory

Hire another set of hands

Pay for certifications and licensing

Build a website and invest in marketing