Diversity Lender
Kiva U.S.
0% Interest Crowdfunded Microloans
Loan Amount
$1K - $15K
Rate
0% interest
Advertiser disclosure: SupplierDiversity.com may earn a commission when you apply through links on this page. Our directory listings, rankings, and editorial coverage are independent of any commission relationship. See our editorial standards.
Program overview
How Kiva U.S.'s diversity lending program works.
Global nonprofit providing crowdfunded microloans at 0% interest with no fees. 80%+ of loans go to underserved communities including women and minorities. 96.4% repayment rate.
Certifications accepted
Which certifications qualify a business for this program.
Kiva U.S.'s diversity lending program is open to businesses holding any of the certifications below. Lenders verify the certification at underwriting, so the certificate needs to be active and in good standing at the time you apply.
Underwriting requirements
Minimums Kiva U.S. sets at application.
No minimum credit score. Character-based lending. Must crowdfund from network first.
What else this certification opens
Corporate buyers that accept the same certifications.
The certifications Kiva U.S. accepts also unlock the corporate supplier diversity programs below. So the same certification that gets you working capital here can register you as a supplier with these companies.
Compare other lenders
Adjacent diversity lending programs.
Before you borrow
Diversity lenders verify certification at underwriting.
Almost every diversity lender requires an active diverse-business certification on file before approving a loan. The quiz checks which certifications you qualify for and matches them to the lenders that recognize each one, so you can sequence the certification first and the financing second instead of getting denied at underwriting.