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We loan because...
Jesus said, "It is more blessed to give than to receive." Acts 20:35

About us
Julie and Toni have been best friends for more than 30 years. After all of the gifts for Christmas and birthdays we decided that we didn't need to give each other more "stuff" but would rather use our money helping others. Now, every birthday and Christmas we add to our Kiva account and celebrate together choosing Kiva projects to sponsor.

Location: Pacific Northwest      


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Team Activity

  • Universe
    United States
    Universe received a loan from Toni which helps a female entrepreneur to grow her business empowering women who have been through trauma.

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