kiva loan program


Kiva U.S. is an international non-profit 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 $25 each, and rally around your business as potential customers, business advisers, and brand ambassadors.

Why apply for a Kiva Loan with AACCW?

We are dedicated to strengthening AACCW entrepreneurs and businesses. This is both an exciting and challenging time in our history as we are undergoing a vigorous process of change, growth, and transformation to address disparities many business leaders and entrepreneurs are facing throughout Wisconsin. As a Trustee, AACCW will endorse entrepreneurs and manage them throughout the course of the loan.

  • Up to $15,000 (please see basic guidelines and example loan sizes below)
  • 0% Interest
  • No fees
  • Terms up to 2 years
  • No credit score, collateral, business plan or financial statements required
  • Crowdfunded by borrower’s personal and professional network as well as Kiva U.S. lenders

To be eligible for a Kiva Zip Loan, you must meet the following requirements:

  • No past due debt (defined as debt older than 90 days), except up to $1,000 of medical debt
  • Monthly household debt payments to income ratio below
  • 30% (excluding mortgage payments)
  • Borrower cannot currently be in bankruptcy or foreclosure
  • Annual income of less than $100K
  • Must have or create a PayPal account
  • At least 18 years of age
  • Not involve in multi-level marketing or illegal activities
  • Invite at least 15-30 individuals to lend as little as $25 each to their campaign


  • Pre-revenue business
  • 0-6 months in operation
  • No online presence

$2,000 – $5,000

  • Positive Cash Flow
  • 6 mo – 2 years in operation
  • Basic online presence

$6,000 – $10,000

  • Profitable or established business
  • 2 – 10+ years in operation
  • ​Strong online presence
  • Hire staff
  • Purchase or upgrade equipment
  • Business management software
  • Working capital for inventory
  • Space renovations
  • Certifications and licensing
  • Market booths
  • A website and marketing presence
  • Expand product lines
  • Marketing & advertising


“Without the support of the AACCW support,  I would not have been able to secure the funds to keep my business operations going!
I am extremely grateful and happy to have had such an opportunity and look forward to creating loan opportunities for other entrepreneurs and businesses. “

Brook Burns, KIVA Loan