Future of impact is collaborative | Kiva Hubs Partnership

Kiva US partners with CDFIs, city/state governments, foundations, technical assistance providers and accelerators to make capital accessible to financially excluded businesses. We do this through a plug-and-play micro-lending partnership. The citizens of a city are enabled to support their community, igniting a movement of ‘Empowering my Neighbor’ that has tangible and long-lasting impact.

What are Kiva Hubs

A Hub is a local organization invested in the success of small business and economic inclusion in their community. A Hub owns the Kiva borrower pipeline and hosts a Kiva Capital Access Manager on their staff, trained by Kiva, to support local entrepreneurs.

Kiva Offers

Hub Offers

Systems Access

Back-end visibility, cost effective underwriting and processing.

Boots on the Ground

Capital access manager (CAM) screens and supports borrowers and sources local referrals for Kiva loans.

Training and Onboarding

Resources, marketing materials and custom tools.

Ecosystem building

Marketing and Community Development.

Global Lending

Risk tolerant capital funded by over 2 million lenders motivated by social impact.

Local Lending

Engagement opportunity for individuals and local philanthropy.

Impact Data

Regular impact reporting. Fundraising material.

Financial backing

Cost of CAM Salary.
Kiva Hub Membership Fee: $25k/Year or $65k/Years

Kiva Offers

Technical Access

Back-end visibility, cost effective underwriting and processing.

Training and Onboarding

Kiva Hubs Playbook, marketing meterials and custom tools.

Global Lending

Risk tolerant capital funded by 1.7 Million lenders motivated by social impact.

Impact Data

Regular impact reporting, Fundraising material.

Hub Offers

Boots on the Ground

Capital access manager (CAM) sources and supports borrowers.

Ecosystem building

Marketing and Community Development.

Local Lending

Engagement opportunity for individuals and local philanthropy.

Financial backing

Cost of CAM Salary, Kiva Hub Membership Fee: $25k/Year or $65k/Years

What is a Capital Access Manager?

A Capital Access Manager (CAM) is a staff member of the Kiva Hub partner, trained extensively by Kiva, on how to share the loan opportunity with entrepreneurs. CAM also offers best practices for the application and fundraising process and builds a robust support ecosystem in their cities by activating a local lending community.

Every Community is Unique | Flexible Hubs Model

Through the Kiva Hubs Model, a community can choose a combination of stakeholders that leverages the pre-existing strengths of the local economic development network. Kiva believes that collaboration among multiple stakeholders can enrich the community in a localized manner.

Trustees provide endorsements and technical assistance, crucial for strengthening small businesses and building an eco-system.
Hubs tie the program together, with CAM’s servicing borrowers and connecting to trustees.
Funders cover the cost of the CAM’s salary and the market management fee.

Trustee Hub Funder
Accelerator​ City Government Foundation
City Government Technical Assistance Providers City Government
Technical Assistance Providers CDFI Local Corporations
CDFI Accelerator​ Bank

Types of Hubs

CDFI
City / State Gov
Technical Assistant provider
Accelerator
Chamber of Commerce

CDFI

Wisconsin Women's Business Initiative Corporation

Wisconsin Women’s Business Initiative Corporation (WWBIC), a CDFI, launched as a Kiva Hub in Milwaukee in 2019 as a way to fund small businesses not yet eligible for their loan products. In 2018, WWBIC raised $250,000 to expand its Kiva footprint and cover operational costs to open a second Hub in Madison. WWBIC received SBA Prime grant allocations for technical assistance and has since launched an Economic Development Fellowship program through the University of Wisconsin Milwaukee.

$
Amount Lent

$ 1,600,000

%
Minorities
Trustee Hub Funder
TA Provider CDFI Local Corporation

City / State Government

City of Rochester

In 2019, the City of Rochester designated a $100,000 loan matching fund and launched a Kiva Hub through the Mayor’s Office of Innovation and Strategic Initiatives. They hired a Capital Access Manager through the local AmeriCorps VISTA Program. In 2017, Mayor Warren won The Council Of Mayor’s Small Business Advocate Award for her “role in immensely important programs such as the Kiva Rochester Crowd Funded Microloan Program.” The City went on to win a $100k grant from the Livings Cities Accelerator program.

$
Amount Lent

$ 318,500

%
Minorities
Trustee Hub Funder
City Government City Government City Government

Technical Assistance Provider

Centro Community Partners

Centro Community Partners, an Oakland-based nonprofit organization, began serving as the city’s Kiva Hub in 2019. This technical assistance provider has built a robust financial inclusion ecosystem by sourcing and supporting borrowers in Oakland as they receive 0% interest loans underwritten by Kiva. A Capital Access Manager was hired through a grant from the NorCal SBDC and funding from Bay Area Development, an SBA lender. The Kiva Hub fee was covered through a grant provided by the SF foundation and Comerica.

$
Amount Lent

$ 1,035,500

%
Minorities
Trustee Hub Funder
TA Provider TA Provider State Government, SBA Lender, Local Foundation

Accelerator

Startup Junkie

Startup Junkie, an accelerator, launched as a Hub in Fayetteville in 2019 with the support of the Walton Family Foundation. Borrowers of Kiva loans in Northwest Arkansas benefitted from matching funds that were provided by a $100,000 contribution from the foundation. Startup Junkie works as a Hub to provide step-by-step technical assistance to local entrepreneurs who want to apply for a Kiva loan, thus increasing local borrowers’ ability to successfully navigate the borrower pipeline and achieve growth.

$
Amount Lent

$ 477,222

%
Minorities
Trustee Hub Funder
Accelerator Accelerator Local Foundation

Chamber of Commerce

The Fresno Metro Black Chamber of Commerce

The Fresno Metro Black Chamber of Commerce (FMBCC) partnered with the City of Fresno Mayor’s Office of Economic Development to launch as a Hub in 2021. This launch is part of a commitment shared by the National League of Cities to build local ecosystems that support innovation and economic development. The FMBCC is in charge of operating the fund, while the City of Fresno focuses on attaining loan matching opportunities for borrowers. The Hub will work to provide support to BIPOC-owned businesses as well as those in Fresno’s low income areas.

$
Amount Lent

$ 25,000

%
Minorities
Trustee Hub Funder
City Government Chamber of Commerce City Government

Helping US Small Businesses
Access the First Rung of the Capital Ladder

Hub Impact

Hub Impact

Learn more about Kiva's regional partnerships.
Learn more

Capital Access Manager

What is capital access manager?

Learn more about the role of a capital access manager in promoting financial inclusion in the US.
Learn more

Become a Hub

Do you want become a Hub?

Learn more about Kiva's hubs program.
Apply now
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