Why Kiva Zip is using simple, pervasive, connected technologies to change how startup lending works. Kiva Zip is a crowdfunded Zero Interest, Zero Cost-to-Serve, Non-credit scoring loan product with no collections agency. It exists entirely on character and faith, glued together with online connectedness. So whether your business needs a $100 or $5000 there is no excuse to wait to start that startup.

1. +
“There are no excuses left.
START. Start now, not later.
Hurry.”
$100 Startup @ Brick City Tech Meetup, 14 Mar 2013
1

2. What is the biggest
challenge for your small
business in 2012?
Startup Funding 31%
Attracting Customers 25%
Cashflow/Liquidity 21%
Product Innovation 12%
Sales & Marketing 11%
Source: http://smallbusiness.yahoo.com 2

3. Startup Lending
without Charging,
without Credit Scores and
without Collections.
3

4. Re-thinking
Startup Lending
with simple, pervasive
connective technologies
4

5. What IF ?
No branches or staff, 0% interest, no
zero marginal cost profit, no fees
No credit Character &
scoring Competence
No collections *Trust* via
agency connectedness
Target “risky”/ low Get crowd to fund
income / unsexy /new startups other 5
startups lenders cannot

6. 0% interest, no
profit, no fees
Character &
Competence
= No more excuses whether
$100 or $5000 startups. *Trust* via
connectedness
Lend to biz other
lenders cannot 6

7. Want to help?
Spread the word.
SULIN LAU
Kiva Zip New York
Sulin.Lau@fellows.kiva.org
@sulinlau , @Kiva , @Kivazip
Zip.kiva.org
+1.415.690.6510