All funding
LoanRolling
Kiva
Kiva US 0% loan
A 0% crowdfunded loan, not a grant. Repayment is usually over 12–36 months and starts one month after funding. Borrowers on Kiva's alternative verification may be limited to $1,000–$3,000.
- Amount
- $1,000–$15,000 at 0% interest, no fees
- Can a for-profit school apply?
- Yes, a for-profit school can apply
- Deadline
- Rolling
- Who this fits
- Microschool · Private school · Homeschool co‑opAny US business can apply, so a school or co-op run as a registered business fits; an informal co-op doesn't.
- New schools
- Not stated for new schools
- Where
- National
- Last checked
- Oct 1, 2026on kiva.org
How to apply
- Step 1: Write a short description of your school and add a photo
- Step 2: List friends, family and families you serve who could be your first private lenders
- Step 3: Plan for repayment starting one month after the loan is funded
Funders change their requirements. Check the official page before you apply. Getting ready? See what funders usually ask for.
Who can apply
“You must be at least 18 years of age. … You must reside and operate your business in the United States.”
Kiva also lists other minimum criteria (for example, no current foreclosure, bankruptcy or liens). Businesses registered in, or mainly operating in, Nevada or North Dakota can’t apply.
- 18 or older
- US business, not registered in NV or ND
- Recruit 5–40 private lenders from your own network within 15 days
Timing
Rolling.