Matching Loan Program

Kiva Overview

HWCC is a proud to be a KIVA Trustee!

Kiva U.S. is an international non-profit that enables financially excluded and socially impactful entrepreneurs to access 0% interest small business loans.  These loans are crowdfunded by hundreds of lenders from around the world that read your story, lend you as little as $25 each, and rally around your business as potential customers, business advisers, and brand ambassadors.


Kiva Loan

Applicants can apply for a business loan up to $10,000, no interest charged and also get free marketing through Kiva's website/platform. The Kiva application process can be viewed below.

What can you use the Kiva loan for?

  • Buying equipment

  • Hiring employees

  • Marketing/Advertising

  • Space Remodeling/expansion

  • Refinancing debt

  • Purchasing inventory

Kiva Loans Information:

  • 0% interest, Loans up to $10,000

  • Terms up to 2 years, grace periods are available for agriculture businesses

  • No credit score, collateral, business plan or financial statements required

  • Funded by hundreds of lenders from around the world, in increments of $25.

Who is Eligible?

  • Kiva Borrowers must be at least 18 years old

  • Business must be located in the United States

  • Loan is meant only for business use, not personal use

  • Borrower cannot currently be in bankruptcy or foreclosure



Matching Loan Program

We are excited to be able to provide another lending route for our entrepreneurs and business owners. The Kiva Loan Program will help you focus on growing your business with their 0% interest rates. In addition, you’ll be able to build your business credit and have free marketing with the Kiva community! As a Trustee, HWCC will endorse and help you throughout the course of the loan.  

Businesses that HWCC has matched and endorsed.

When applicants apply for Kiva and are approved for a specific loan amount (for example, $10,000). HWCC is given the opportunity to endorse and match half of the targeted Kiva loan goal. This is called "matching funds". 

Matching funds help to decrease the amount of time it takes a borrower to raise the full loan amount.

However, HWCC can only match half of the Kiva loan if the applicant completely raises half. If the applicant doesn't raise half, then HWCC cannot provide a matching fund.

For example,  John is trying to raise $10,000. He will have to raise $5,000 in order to turn on HWCC's matching fund. Once John raises $5,000, HWCC will match the other $5,000 to get to him to his goal of $10,000. If John fails to raise $5,000, HWCC cannot provide a matching fund.


How to Apply

Wisconsin business owners can apply for a Kiva loan here.

If you would like more information and assistance, please contact Ger Thao at 414-645-8828.

To learn about more funding opportunities with HWCC, visit here


Milwaukee Office

5421 N 118th Ct, Milwaukee, WI 53225 | 414.645.8828

Wausau Satellite Office

1109 N. 6th Street, Wausau, WI 54403 | 715.298.6071

Office Hours: Monday-Friday 9:00 AM-5:00 PM