Kiva Denver Hub

Loans up to $15,000. No fees. No interest. No joke.


Fund your dream, change your life. 

Colorado is one of the best places in the nation to start and grow a business. Year over year, it’s been reported that we are indeed a booming entrepreneurial community. From the Western Slope to the Eastern Plains, and everywhere in between, Colorado has been known for innovation, collaboration, determination, and grit.

However, access to capital is still a common obstacle for many small business owners and entrepreneurs. It’s especially difficult today with the challenges small businesses face with the COVID-19 pandemic. In order to alleviate some of these challenges, Colorado Lending Source has partnered with Kiva to offer an innovative microloan product with 0% interest, no fees, and financing up to $15,000. In response to COVID-19, Kiva loans will also have access to expanded eligibility terms and grace periods up to six months for greater financing flexibility. 

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What is Kiva?

Established in 2005 as the world’s first personal microlending website, Kiva enables everyday people to pool small lending contributions to provide financial access to entrepreneurs across the globe. As an international non-profit, Kiva's mission is to connect people through lending to alleviate poverty. Kiva celebrates and supports people looking to create a better future for themselves, their families, and their communities.

Since its beginning, Kiva has grown to enable over 1.8 million lenders worldwide to lend a combined $1.2 billion in over 80 countries around the world.

Loan Details

Kiva Denver offers crowdfunded loans to help fill a critical lending gap faced by entrepreneurs whose businesses are too young, too small, or too innovative to receive loans from traditional lenders. Kiva Denver serves as a hub that can finance businesses across the state, whether in Denver or not.

  • Loan Amounts: Up to $15,000
  • Interest Rates: 0% without fees - no catch!
  • Terms: 12-36 months




How to Apply

Borrower Requirements

  • You must be 18 years of age
  • You must be living in and your business must be operating in the U.S.
  • You must use this loan for business purposes
  • You cannot currently be in bankruptcy
  • No violent or financial crime committed in the last 5 years
  • Must be willing to open PayPal account
  • Must get a certain number of individuals (5-40, depending on loan size) to lend a minimum of $25 each


Gather Information

  • Calculate your monthly credit card payments, mortgage or rent, and other debt payments, as well as checking your credit score
  • Proof of Business - State Filing or Employer Identification Number (EIN)
  • Business Bank Statement (applicants who do not have proof of a business or bank statement can still be approved)

Describe Your Business

  • Find a photo of yourself that clearly shows you and your business
  • Write out your personal, business, and loan use description - outline what your business does, what you will do with the loan, and how it will help your business

Become a Lender

Through Kiva Denver, supporters of Colorado-based small businesses can help local communities shape their future and achieve economic mobility. Anyone interested in supporting local small businesses can sign up to become a lender and support them with a loan as small as $25. 

Lenders on Kiva are motivated by impact, so while they expect to be repaid, they are not looking to make any interest on their loans. 

In order to sign up to become a lender, simply search for borrowers in Colorado that you would like to support. This is a great way to help entrepreneurs who may not have access to traditional lending. 

Search Borrowers

Become a Trustee

Trustees are organizations that provide their expertise and endorsement to help borrowers be successful in the Kiva process. This endorsement does tie the Trustee’s reputation to the repayment rate of the borrowers they endorse, but there is no financial liability nor do Trustees handle loans, which Kiva disperses directly.

Trustees add credibility to a borrower by vouching for their character, business and social impact. Before endorsing a borrower, a Trustee should feel confident that the borrower has done the work to be successful and that they are committed to repaying the loan. 

For more information on becoming a Trustee, please email



If you’re a small business owner or entrepreneur who believes you can benefit from a Kiva loan, please reach out to Denver's Kiva Hub Capital Access Manager, Rachael Sall.

Join Rachael at 9:30am every Monday to get your questions answered and to see if Kiva is the right fit for you!

Join Zoom Meeting

Meeting ID: 758 3196 3158
Password: KIVA

contact us  Learn more about Rachael