Kiva Crowdfund


Loan Terms

  • 0% interest rate
  • First loan of $5,000. Subsequent loans up to $50,000
  • Flexible loan terms
    • Up to 24 months terms
    • Grace periods available for startups and agricultural businesses
    • Repayments made on regular weekly or monthly installments via PayPal

Borrower Requirements

  • Fill out Kiva Zip’s Financial Capacity Assessment (for trustee email please use:
  • Your total outstanding debt must be less than 30% of your income
  • You don’t have any past due debt (defined as more than 30 days past the due date, except up to $1,000 medical debt)*
  • Loan is less than 75% of your income
  • You are not currently in foreclosure or bankruptcy
  • You have an annual income less than $100,000
  • You are over 18 years of age
  • You must have a basic social media presence (Facebook, LinkedIn, Twitter, etc.)**
  • Your business has a social impact
  • Submit your Business Profile (or email your business plan)

*Although credit score is not used to qualify borrowers, a credit report will be pulled to confirm any past due debt.

**If the borrower does not have one, they will need to create an account with at least 5 contacts.


What is Kiva Zip?

Kiva Zip is a website that enables financially excluded and socially impactful entrepreneurs to access 0% interest loans through crowdfunding.

What is “crowdfunding”?

Crowdfunding is a concept that allows anyone (friends, family, strangers, businesses, charities, etc.) to offer character-based loans or grants to entrepreneurs that normally would have difficulty qualifying for a business loan through a bank. Not only is it a proven method for credit-strapped businesses to get capital but it’s also an effective marketing tool.

Join our Kiva Lending Group!

Entrepreneurs connect to potential lenders and donors through an online platform such as Kiva, IndieGoGo, KickStarter, or others. The entrepreneur posts the amount of funding they seek and interested members make contributions towards the funding goal.

Because fundraising for the capital is done through social media networks, it is important that the borrower or entrepreneur has a social media presence. This is the primary means of communicating with the lenders/donors and “getting the word out” about the business.

Click here to see how client Chino of Chino’s Dog used Kiva Zip to help launch his business

How do I apply?

To apply you must first identify R.I.S.E. Financial Pathways as a Trustee. A Trustee is a designated organization or individual that agrees to vouch for an entrepreneur’s character and business viability. Additionally, the Trustee will support the business with technical assistance and mentoring. The Trustee is not financially responsible for the borrower’s loan. However, the Trustee’s reputation is tied to the borrower’s performance, so every time a borrower defaults on a loan it will prevent other borrowers from qualifying for the same program. Every borrower on Kiva Zip must be endorsed by a Trustee.  View the R.I.S.E. Trustee profile here

Start Now

Here are some things to get you started:

  • Pre-qualify by filling out Kiva Zip’s Financial Capacity Assessment (for trustee email please use:
  • Go through Kiva Zip’s videos

For more information concerning Kiva Zip please contact Hassan Nicholas at (323) 233-1900 ext. 231 or

5 thoughts on “Kiva Crowdfund

  1. Hi There,
    Am from Kenya & I really liked what you guys are doing because I personally hate poverty. I have grown up in it am in it that’s why i wish to be part of you. I request you to assist get a loan of $ 5000 to buy 5 diary cattle, construct a shed,buy animal feeds & do some farming to raise money to be able to achieve my dream of pursuing a bachelors degree in Regional and urban planning from Australia(Queensland University) by 2017. I have tried to raise it since 2011 after my o-level but I can’t make it without you people, thanks I shall highly appreciate your help

  2. I would not invest in you RB Radio Show…And it has nothing to do with your business being a ‘black-themed network’. The fact that you blame your failure on Kickstarter to ‘race’, shows you don’t have what it takes to win in this game. The founder of BET is a billionaire because of running a ‘black-themed network’. No, you failed because of one of the following 1. your product sucks 2. your marketing sucks 3. you didn’t try hard enough. Probably all 3 of those things 😀

  3. A huge, rather negative-toned assumption about a very viable business idea specific to a particular niche market. Any niche can be difficult to target, hence this is why larger companies partner with smaller companies specializing in that particular niche with expertise in it, usually. This is not a failure-minded individual but one who is open to and seeking still new options for possible funding despite, seeming failure (stepping stones to success and many lessons by doing). However breaking even is not failure in a startup. It is the beginning of real success, profitting beyond operating expenses, etc.
    The founder of BET is an example of a brilliant person, (Bob) finding an overlooked market and opportunity, (niche). And even he has had setbacks even while making billions. I know personal stories, (having worked for the company briefly myself), of key people he trusted and gave top jobs to, bilking him out of millions. He got stung, but it did not make him lose hope. It was a small learning experience by his standards. There were countless loyal people too, such as the female, right hand person who still runs the company today, as CEO, Debra Lee, invaluable to Viacom, the new company owners, as she knows that niche market and business inside out and has been instrumental in it’s success. How about some encouragement and kind words, information, or referrals, since you, yourself are not biased about his particular black-themed niche?

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