The Kiva Microloan Startup Friendly is a business loan from Kiva Microloan. The annual fee is 0. The ongoing APR is 0%. Approval typically requires a credit score of no minimum credit score or higher. Typical credit limit: Up to $15,000. Funding speed: Usually takes 20-30 days. Loan terms: Usually takes 12-36 months. Minimum annual revenue: You must be able to prove revenue (i.e., donations) in the past 12 months if your business is a nonprofit organization.. 0% interest crowdfunded microloans. No credit check. Must build social proof by getting initial loans from friends/family first. 6-36 month terms. Great for startups with no credit. | PG verification: Kiva Microloans do not require a personal guarantee, as they are crowdfunded loans and do not involve traditional lending practices.