Loans For Entrepreneurs Doing Amazing Things

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1. Apply
Fill out a simple online application for lenders to learn more about your business.
2. Lend
Join our community by making a loan to another small business owner on Kiva Zip.
3. Invite
Have your family and friends lend to you to prove your credit-worthiness.
4. Fundraise
Get posted on Kiva Zip, where your loan will be accessible to Kiva's million lenders.
5. Repay
Use your loan to grow your business and return lenders on their investment.

0% Interest, No Fees

The Kiva Zip community provides access to 0% interest loans and a community passionate about helping entrepreneurs in the United States. With over a million lenders, corporate sponsors, and local governments, our network will help you find the resources you need to grow your business.

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"Since we got our Kiva Zip loan, our sales have increased by 15% each year. Our loan helped jump start our operations."

Marci & Greg Miller Deep Root Farm, Moscow, ID

“Kiva Zip was a simple and straightforward process. It wasn't just a bank. We were able to put faces to those supporting us.”

Sally & Nadia Night Owl Market, Cincinnati, OH

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Character over Credit

Rather than assessing your credit history and financial statements, Kiva Zip uses your character and trust network as a measure of creditworthiness.

First, you will be asked to join our community by making a loan to another small business owner. Then, you will be asked to invite a number of lenders to launch your fundraising. Once you have the support of your friends and family, your loan will begin publicly fundraising from our network of over a million lenders - without ever sending us a credit report or bank statement.

Calculate Your Loan Request

6 Months
12 Months
24 Months

Monthly payments for a loan of $0 would be $0 for a period of 6 months