Kiva

Kiva

Crowdfunded microloans expanding financial access

Overview

Kiva provides microloans to underserved communities worldwide through crowdfunded loans. Lenders fund loans on Kiva’s platform, choose borrowers and projects, and borrowers repay over time; repayments are recycled into new loans. Unlike traditional lenders, Kiva connects individual lenders directly with borrowers and emphasizes helping women, refugees, climate-vulnerable and other marginalized communities, often through volunteer support. The goal is to expand financial access and inclusion by empowering entrepreneurs and strengthening communities around the world.

About Kiva

Simplify's Rating
Why Kiva is rated
B-
Rated B on Competitive Edge
Rated B on Growth Potential
Rated C on Differentiation

Industries

Social Impact

Financial Services

Company Size

201-500

Company Stage

Grant

Total Funding

$11.8M

Headquarters

San Francisco, California

Founded

2005

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Simplify's Take

What believers are saying

  • Walton Family Foundation renewed Kiva NWA in September 2025 with $1 million matching.
  • Boundless Futures granted Kiva $100,000 in March 2025 for female social entrepreneurs.
  • Conrad N. Hilton Foundation gave Kiva $3 million in 2025 for refugee financial inclusion.

What critics are saying

  • Kiva’s mission relies on recurring grants, especially Walton, Hilton, and foundation renewals.
  • If donors shift priorities, loan-matching capacity shrinks and local hubs stall within months.
  • Crowded impact-finance alternatives can commoditize Kiva’s lending marketplace and weaken borrower acquisition.

What makes Kiva unique

  • Kiva’s zero-percent, crowdfunded microloans reach borrowers ignored by banks and DFIs.
  • Local hubs like Kiva NWA combine community lending, advising, and character-based underwriting.
  • Multi-year foundation partnerships support women entrepreneurs, refugees, and Spanish-language access programs.

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Funding

Total Funding

$11.8M

Above

Industry Average

Funded Over

5 Rounds

Grant funding comparison data is currently unavailable. We're working to provide this information soon!
Grant Funding Comparison
Coming Soon

Benefits

Medical, dental, and vision insurance

Unlimited PTO

$750 stipend for continuing education

Parental leave

401(k) plan

Community building activities

Growth & Insights and Company News

Headcount

6 month growth

↑ 0%

1 year growth

↑ 0%

2 year growth

↑ 0%
Coconino News
Aug 18th, 2026
Business education and planning workshop announced for Flagstaff area.

Business education and planning workshop announced for Flagstaff area. The Greater Flagstaff Chamber of Commerce announced on Aug. 18 a free Business Education and Planning workshop, which will include an 11-week Business Certification course in collaboration with DreamBuilder and Kiva.org. According to the announcement, those interested are encouraged to review the flyer for complete information and registration details. The program aims to provide local business owners and aspiring entrepreneurs with practical tools for growth and development. The Greater Flagstaff Chamber of Commerce bolsters local communities by fostering economic development, preparing the workforce, hosting events, driving business expansion, gathering key influencers, promoting community resilience, extending support to businesses throughout northern Arizona, supporting business-friendly policies through advocacy at various government levels, and partnering with stakeholders to enhance economic growth, according to the official website. In addition to educational initiatives like this workshop series, the organization also recognizes outstanding professional women through its ATHENA Award program for career accomplishments and community leadership. Those interested in participating in the upcoming certification course can find more details about registration on materials provided by the chamber.

AY Media Group
Feb 25th, 2026
Kiva NWA Expanding Spanish-language Access to Capital

Kiva NWA expanding Spanish-language access to capital. Kiva NWA is expanding its bilingual lending support to help more entrepreneurs secure zero percent interest microloans and overcome barriers to traditional financing and has added Ignacio Balderrama as Kiva NWA capital access manager. Operated locally by Fayetteville's Startup Junkie Foundation, the Kiva NWA Hub provides character-based, crowdfunded loans of up to $15,000 at zero percent interest to small business owners across the region. Hispanic-owned businesses represent one of the fastest-growing segments of new business formation in Arkansas, yet many founders face persistent barriers to traditional financing, including language access challenges, limited credit history and unfamiliarity with conventional lending systems, according to Claudia Scott, director of the Kiva NWA program. "As our region grows, our capital systems have to grow with it," Scott said. "Strengthening bilingual support through Ignacio's leadership allows us to remove barriers, increase participation, and ensure that Latino entrepreneurs are fully integrated into northwest Arkansas' economic momentum." A native of Bolivia, Balderrama joined the Startup Junkie team as an intern in 2023 and has also served as the host of Querido Emprendedor, the organization's Spanish-language podcast highlighting northwest Arkansas' Latino founders. In his new role, he will support prospective borrower intake, borrower advising, outreach, and loan readiness preparation as Kiva NWA expands Spanish-language consulting and capital access services. "For many entrepreneurs, access to capital is about clarity and trust as much as eligibility, and entrepreneurship takes courage," said Balderrama. "The least we can do is make sure the path forward feels clear and welcoming." The continued expansion of the Kiva NWA program was made possible through the renewal of support and increased investment in September 2025 from the Walton Family Foundation, which included renewed operational funding and a $1 million loan match contribution to Kiva U.S., doubling the impact of local lenders in Washington and Benton counties.

Greater Houston Women's Chamber of Commerce
Jul 18th, 2025
Tory Burch Foundation Partners with Kiva

Tory Burch Foundation partners with Kiva.

Blue Tech Wave Media
Mar 11th, 2025
Top tech news today: 11 March, 2025

Kiva has been awarded a $100,000 grant from Boundless Futures Foundation to support female social entrepreneurs in the U.S. through a revolving loan fund.

TechCrunch
Feb 12th, 2024
Kenya’s Ilara Health gets $4.2M backing to expand clinic-support services | TechCrunch

Ilara plans to rollout of a B2B health and occupational service to enable uninsured workers access care at its partner clinics.

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