Social Enterprise Inquiry for a Kiva Loan

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Senior Unsecured Debt means any Debt that is not secured by a Lien and is not junior in right to payment with respect to any other Debt.



Minimum Eligibility Criteria

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WARNING: Please keep in mind that Kiva is currently unable to accept applications from organizations solely registered in the following countries: Afghanistan, Belarus, Bosnia and Herzegovina, Burundi, Central African Republic, Cuba, EU member countries, Iran, Iraq, Libya, Nigeria, North Korea, Russia, Somalia, South Sudan, Sudan, Syria, United Kingdom, Uzbekistan, Venezuela, Yemen, and Zimbabwe. If the Company has operations in any of the countries above please reach out to dse@kiva.org before proceeding with the application. This list might change on an ongoing basis.

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Please note that the date of incorporation might differ from the date when your organization started operating. WARNING: Please know that Kiva will not move forward with your loan application if you Company has less than two years of operations.

Country of legal incorporation might differ from your country of operations. Country of operations is defined as countries where the organization has a local presence in the form of an office or employees OR a country where the organization generates more than 30% of revenue.

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WARNING: please keep in mind that if your Company generates 30% or more of its revenues in one of those countries, Kiva is currently unable to accept your loan application.


WARNING: Kiva cannot lend to organizations which are currently in bankruptcy.

WARNING: As a mission-driven organization, Kiva is committed to supporting organizations that share our values and have a strong commitment to serving the needs of poor, vulnerable, and excluded populations. "Poor" refers to individuals or communities who live below the poverty line, which is a standard measure of income level set by each country. "Vulnerable" refers to those who are at risk of exploitation or abuse due to factors such as poverty, disability, or social exclusion. "Excluded" refers to those who are marginalized or discriminated against based on their race, ethnicity, gender, sexuality, religion, or other characteristics. Please note that Kiva can only consider lending to organizations that display a clear commitment to serving these populations.



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Please note that we require annual revenue to be reported in USD to standardize our evaluation process. If your Company's revenue is in a different currency, please convert it to USD at the exchange rate at the end of the reporting period and report the amount in USD.

Please note that we require annual revenue to be reported in USD to standardize our evaluation process. If your Company's revenue is in a different currency, please convert it to USD at the exchange rate at the end of the reporting period and report the amount in USD.

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