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Kiva Zero-Interest Business Loan
Kiva
Amount
$1K – $15K
Interest Rate
0% (zero interest)
Max Term
3 years
Approval Time
4–8 weeks
About This Program
Crowdfunded zero-interest loans for small businesses and entrepreneurs. No minimum credit score required. You fundraise from individual lenders worldwide. Ideal for businesses that cannot access traditional financing.
Eligibility Requirements
Minimum Credit Score
None
Minimum Years in Business
None (startups welcome)
Minimum Annual Revenue
None
Eligible Business Types
sole proprietor, llc, s corp, c corp, partnership
Documents Required
- Business description
- Social media presence or website
- Endorsements from community members
- Proof of business activity
How to Apply
- 1Check your eligibility using our free checker tool
- 2Gather the required documents listed above
- 3Visit the official program page and submit your application
- 4Wait for review — typical approval takes 4–8 weeks