Capital to start , grow and move your business forward.
Up to $15,000. 0% Interest. $0 Fees. 100% opportunity.
ZERO connects entrepreneurs across Puerto Rico to accessible small business financing through Kiva, with support from Friends of Puerto Rico and the Metro Women’s Business Center.
ZERO by Friends of Puerto Rico is a capital-access initiative led by the Metro Women’s Business Center in partnership with Kiva.
Kiva provides the 0%-interest, zero-fee lending model. Friends of Puerto Rico serves as a Kiva Trustee, providing entrepreneur support at no charge. 0% interest. 100% opportunity.
Access capital.
Build your future.
ZERO provides access and support but does not guarantee financing. Kiva determines loan eligibility, approval, amounts, crowdfunding requirements and repayment terms. Future financing is subject to each financial institution’s eligibility and underwriting requirements. Kiva financing is a loan, not a grant, and must be repaid.
Built for Entrepreneurs. Focused on Opportunity.
Access to capital is one of the biggest barriers to starting and growing a small business.
ZERO is designed to help change that.
Kiva provides the 0%-interest, zero-fee lending model, while Friends of Puerto Rico provides Trustee support at no cost to entrepreneurs.
0% interest
Without collateral or traditional guarantees
Network of Lenders
Finance from all over the world
Personalized Support
We help you build your track record
How ZERO Works
Start with us
Get Support
Apply through Kiva
Fund your business
Build your track record
Your business. Your next step.
Help build Puerto Rico’s next generation of capital-ready businesses.
ZERO brings together banks, credit unions, community lenders, corporations, foundations, municipalities and economic-development organizations to expand pathways to capital.
Partners can contribute through:
- Entrepreneur referrals
- Financial Education
- Technical assistance
- Scholarships Mentroship
- Community Outreach
- Future Financing Opportunities
Your business. Your next step.
Help build Puerto Rico’s next generation
of capital-ready businesses.
- Entrepreneur referrals
- Financial Education
- Technical assistance
- Scholarships Mentroship
- Community Outreach
- Future Financing Opportunities
For financial institutions, ZERO provides an opportunity to engage entrepreneurs earlier, support their development and build relationships with businesses that may become candidates for larger financing as they grow.
The ZERO Capital Pathway
Up to $15,000 • 0% interest • $0 fees
Trustee support • Business development • Capital readiness
COMMUNITY + FINANCIAL PARTNERS
Education • Mentorship • Resources • Relationships
NEXT-STAGE CAPITAL
Preparation for larger traditional financing opportunities