Usually, loans on Kiva have 30 days to successfully fundraise. But in most cases, if a loan doesn’t fully fund on Kiva the individual borrower is not directly affected. That’s because most of Kiva’s Field Partners give borrowers access to credit before posting their loans on the Kiva website (what we call pre-disbursal), so the borrower can use the funds immediately. The crowdfunded money raised on Kiva is used to backfill the loan amount, and when the borrower makes repayments they're passed along to the specific Kiva lenders who supported the loan. There are 2 funding models on Kiva: Fixed: the total loan amount must be raised in order for funds to be sent to the Field Partner. If the loan is not funded in full within the fundraising period, the loan will expire and any funds raised will be returned to lenders' Kiva accounts. Flexible: any funds raised within 30 days will be passed along to the Field Partner facilitating the loan and they will come up with other sources of funding to cover the rest of the loan amount. There are a few situations where borrowers are directly affected and won’t receive their loan if it doesn’t fund on Kiva. This happens with direct loans and partner loans that are not pre-disbursed, which have a fixed funding model. We know it can be hard to see some loans miss their funding goals, which is why we've expanded the funding options and are working hard to reach new lenders who can help create more positive impact.