Kiva US Loan Application: Minimum Eligibility


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Sorry for the Inconvenience!

Under Maintenance

This page is currently under maintenance and cannot accept submissions. Please check back in a bit and continue this section. Alternatively, you may work on other sections of your application until this one becomes available. Thank you for your patience and understanding as we work on improving your application experience!

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Sorry for the Inconvenience!

Thank you for your interest in a Kiva U.S. loan! Due to the incredibly high demand for loans on our site, we are currently only accepting applications from entrepreneurs using referral links from one of our community partners (these partners are called Trustees and Hubs).


We hope to reopen the application to all entrepreneurs as soon as possible.


If you are not working with one of our community partners and would like to be notified when the application reopens, please click here.

If you are working with one of our community partners, please check the box below and enter the partner’s name. Thank you!


Before your start your application...
Thank you for your interest in a Kiva U.S. loan for your business!
Before you get started, we encourage you to explore our Kiva U.S. Hub and Trustee partners. These organizations support small business owners and entrepreneurs like you throughout the Kiva loan process—and often beyond.

Research shows that Kiva U.S. borrowers who work with our partners tend to have greater success, both with their Kiva loan process, from crowdfunding to repayment, and in their broader business outcomes. Learn more here.
Before you begin your application, we would like you to first watch this short video (under 2 minutes) featuring Kiva’s top application tips.
If the video above does not properly load, please refresh the page. If it does not load after a few attempts to refresh, please contact us at borrowers@kiva.org
Yay! It seems like you meet our minimum eligibility requirements and already have an ongoing application.

You can continue your application here: https://www.kiva.org/my/borrower/application.

We are experiencing higher than usual application volume. Our team is working hard to review loan applications as quickly as possible, but it may take 2-3 weeks to hear back. To help expedite your application, please ensure you read all directions and answer questions as accurately as possible. Thank you! 
Your Personal Information

Please enter your legal name here, we will ask for your preferred name later.





Kiva cannot lend to individuals who are currently in bankruptcy.

Please let us know if you have any criminal convictions, no matter how long ago they occurred. We assess every application carefully and with respect for individual circumstances. However, as part of our minimum eligibility criteria, Kiva cannot lend to individuals with a violent or financial criminal conviction within the past 5 years.
Have you already repaid a Kiva U.S. loan?


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Your Business Information

Please enter registered or legal name of business, we will ask for your trade or fictitious name later.



We unfortunately do not accept applications from businesses located in Nevada or North Dakota at this time - please learn more about our eligibility here.



Your business and loan use abide by the following principles:




Based on the answers you have given above, your business is not eligible for a Kiva US loan - please learn more about our eligibility here.
Your Kiva Loan Information


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Please note that your exact loan amount will be determined upon further review of the information provided in this application.


Referral Source





If you were provided with an Invite Code, please enter it here.

The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant’s income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. As a Special Purpose Credit Program, Kiva is permitted to request and consider information that other lenders ordinarily are not permitted to request and consider, such as race and sex. The Federal agency that administers compliance with this law is the Federal Trade Commission, Consumer Response Center, 600 Pennsylvania Avenue NW, Washington, DC 20580. If Kiva does not approve your application in the amount requested, you may request a statement of the reasons for denial within 60 days of receipt of your notice of denial, by contacting the Kiva US program at borrowers@kiva.org, (828) 479-5482, or 182 Howard Street, Suite 414, San Francisco, CA 94105.
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