Screw FICO: How Social Underwriting Could Expand Access To Credit

With Kiva Zip, Kiva is growing its U.S. operations to provide loans to entrepreneurs who can't get money from banks.

Financial institutions normally decide loan eligibility based on factors like your credit score, cash flow, and the amount of collateral you have. On Kiva Zip—the micro-lender's platform for U.S. entrepreneurs—it's different. What matters is whether you're trusted by the community, whether you're willing to "pay it forward," and whether you're prepared to do some fundraising yourself.

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