Kiva Loan

We have several loan programs to fit almost any business need – but don’t worry about figuring out which program you need, we will do that for you.  Learn more below about what makes Dakota Business Lending a great choice as a small business financing partner for lenders and borrowers.

Kiva - Micro-financing for Emerging Entrepreneurs

Why choose Kiva: Small, start‐up, and home‐based businesses are the engine of economic growth and job creation. Kiva provides small business microloans to inspiring entrepreneurs working to make a positive impact in the community. The no‐interest loans are crowdfunded by hundreds of lenders around the world who lend as little as $25 each. Many lenders become customers, vocal supporters and trusted advisors of the businesses they support on Kiva.

Loan amounts: Up to $10,000 for the first Kiva; subsequent loans can be larger.

Down payment: None

Eligible projects: Any business purpose – include working capital, inventory, and equipment.

Eligible businesses: All borrowers must be endorsed by a trustee (like Dakota Business Lending), who can vouch for their character and business. Borrowers must be over 18 years old, have a PayPal account and not currently be in foreclosure or bankruptcy. Annual income must be less than $100,000 with debt to income ratio of less than 35%.

Collateral and security: None

Terms: Up to 36 months

Rate: 0%

Other Questions? 

Contact us to discuss project feasibility and details of this and other loan programs.


Contact Dakota Business Lending to obtain a link for an online application.

SBA 504
Interest Rates

October 2019
10 Yr: 3.563%
20 Yr: 3.462%
25 Yr: 3.540%


504 Loan Calculator