$1K–$15K crowdfunded at 0% APR — no credit score required.
Kiva US originates 0% interest, 0% fees microloans up to $15,000 for US small-business owners. Approval is community-based (endorsers vouch for you) rather than FICO-driven. Terms are 6–36 months. Ideal for first-time founders needing seed capital, inventory, or equipment when banks and even CDFIs won't underwrite. Reports to credit bureaus — builds business credit history.
Click Generate advisory deep dive for mechanics, IRC citations, a step-by-step execution plan, a worked numeric example on your profile, costs, risks, and this-week actions.
Buy a $1M–$5M business with 10% down, 10-yr amortization.
10% down, 20–25 yr fixed for owner-occupied real estate.
Owner becomes the bank — negotiate rate, term, and structure.
Tap home equity to fund higher-yield investments.
Borrow against your stock portfolio without selling.
Speed capital for flips, bridges, and value-add plays.
Rental loans qualified on property cash flow, not personal DTI.
Raise from LPs to acquire larger assets you couldn't alone.