What is Kiva Zip?

Kiva Zip is a website that enables financially excluded and socially impactful entrepreneurs to access 0% interest small business loans. These loans are crowdfunded by hundreds of lenders from around the world that read your story, lend you as little as $5 each, and rally around your business as potential customers, business advisers, and -brand ambassadors

Paulette lives in Oakland and makes handmade soaps and beauty products in her home. She used a $5,000 loan to purchase her key ingredients in bulk and market her brand, Sweetpeaz. 249 people around the world funded her loan in less than one month.
"Having 249 people invest in Sweetpeaz is like hiring 249 brand ambassadors for my business." -- Paulette

Is Kiva Zip right for me?

Loan Purpose Loan Description Strict Requirements

You can use a Kiva Zip loan for any business purpose:

  • Purchase inventory
  • Invest in equipment
  • Expand product lines
  • Hire staff
  • Marketing & advertising
  • Small size (first loans are $500 are less; subsequent loans can be larger)
  • Short term (24 months or less
  • 0% interest
  • Administered via PayPal
  • Crowdfunded on Kiva Zip

Kiva Zip followers must: 

  • Have a PayPal account or be able to create one
  • Be over 18 years old
  • Not currentlybe in foreclosure or in bankruptcy 

Borrowers must be endorsed by a Trustree who can vouch for their charactar and business.


As opposed to using tradition financial metrics, Kiva Zip evaluates borrowers' credit worthiness based on their network. A borrower is able to fill out a loan application upon an endorsement from a Trustee. A Trustee is an individual or an organization who writes a public endorsement vouching for their character and business. Trustees are not financially or legally liable.

Interested? Well, click here to get started!