I actually first learned about Kiva from the Wall Street Journal (how non-techy is that?) and am including them here because of their novel approach to fundraising: Get friends and family (or strangers) to vouch for you by donating at least $25 each, and then get access to up to $10,000 in a no-interest loan. Whatever your friends/family/network can’t provide, Kiva will, in order to get you up to $10k.