Kiva Zip

A web platform that provides zero-interest loans to entrepreneurs and small business owners who would otherwise be unable to obtain them from traditional financial sources such as banks. Before posting the loan application, up to $5,000 without interest, they must convince 15 people they know to support their project, so if they do not return the loan their reputation is at stake.

United States
Impact indicators
  • It started in the United States and Kenya, and in only three years has generated nearly $4 million in loans to 4,000 small businesses.
  • It has a success rate of 95% for borrowers to reach their funding goal in 45 days.
  • In 2014, 33,218 lenders provided $2,727,400 in loans to 574 small businesses with the aim of having a positive impact on the community.


A division of Kiva, led by Matt Flannery and Jessica Jackley.