Kiva U.S. Zero-Interest Microloan

Administered by Kiva · kiva.org

Crowd-funded zero-interest loans for small businesses and entrepreneurs in the US, including those with no credit history or poor credit. Unique 'social underwriting' model.

Eligibility requirements

✓US-based business or entrepreneur
✓No minimum credit score required
✓Must demonstrate community trustworthiness (trustees + social connections)

Insider tip

Kiva uses 'social underwriting' — getting your network to vouch for you matters more than credit score. Recruit your own lenders from your community to get funded faster.

How to apply

Apply directly on the official website. GrantLantern does not process applications — we link you directly to the source.

Apply at kiva.org →

Opens the official source. GrantLantern is not affiliated with this program.

Program details sourced from official government and agency websites. Eligibility is determined by the administering agency — not GrantLantern. Verify current requirements at the official source before applying.

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