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Last Updated: 06/21/2025

Kiva Business Loans

in Business Loans from Kiva

Last Updated: 06/21/2025

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Highlights

Amount Range

$25 - $20,000

APR (Fixed APR)

Starting at 0%(Verified 06/21/2024)

Disclaimer popup with additional information

Loan Term (Months)

1 - 60

Kiva Business Loans Review

Kiva is a business financing offering by Kiva, based in San Francisco, CA. Founded in 2005, Kiva offers access to small business loans in 50 states (and Washington, DC).

Kiva FAQ

What are Kiva rates?

Kiva offers a fixed APR business financing product that ranges from 0% APR.

Does Kiva charge an origination fee?

No, Kiva does not charge a loan origination fee. A loan origination fee is what some lenders charge for processing, underwriting, and funding a business loan. Typically fees range from 0.5% to 5% of the loan amount. Whenever possible, go with lenders that don’t charge origination fees.

Does Kiva charge prepayment fees?

No, Kiva does not charge prepayment fees. This means you will not have to pay additional fees if you decide to pay the business loan off early.

How much can you borrow from Kiva?

Business loan amounts start at $25 and go up to $20,000.

What is the maximum business loan term you can get with Kiva?

Kiva offers small business loans with terms ranging from 1 to 60 months. Having the option of longer terms allows borrowers to take on larger loan amounts while keeping monthly payments more affordable. However, the longer the term of your loan, the more interest you will pay.

What do you need to qualify for Kiva Business Loans?

Kiva Business Loans does not require borrowers to have been in business for a minimum number of years.

When it comes to credit scores, Kiva Business Loans doesn't have a set minimum or maximum. People with all types of credit scores can apply.

An uncommon feature is for lenders to offer their services to non-residents. Kiva is one of the few that does.

To qualify, applicants may need to provide the following documentation:

Proof of identity

What is the estimated funding time for a business loan via Kiva?

Kiva can fund small business loans within 45 business days.

Does Kiva Business Loans report your account activity to credit bureaus?

Yes, Kiva Business Loans reports to the following credit bureaus:

Equifax
Experian

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.

Does Kiva perform a hard credit pull?

Yes, Kiva performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.

Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.

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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

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