Check out some available loans that are similar to this one!
Jose M. owns Twin Rivers Construction, a company specializing in residential building and remodeling. Jose is a U.S. Army veteran. He has been operating Twin Rivers Construction off-and-on since 1995, when he finished his first active duty stint with the U.S. Army. Jose ran Twin Rivers Construction, in addition to having other jobs, for six years until he was recalled to active duty following the September 11th attacks.

After retiring from the U.S. Army in 2005, Jose got a job driving a truck, only to find his veteran’s disabilities prevented him from meeting the job’s physical requirements. Jose returned to his construction part-time job while he studied to be a pharmacy technician through the G.I. Bill. After graduating and being unable to find work in his new specialty, Jose continued his construction business full-time.

An El Paso native, Jose learned to work with his hands as a small child when he would help his father with projects around the house. He says he likes construction because he likes putting things together. Though Jose originally intended Twin Rivers to be a commercial construction company, he moved to residential construction because he could be paid faster for his work. Jose has one employee, who is also a military veteran and is Jose’s neighbor.

Jose heard of ACCION Texas-Louisiana through the Veteran’s Administration. He is using this loan to better advertise his business, as well as have a cushion for operating expenses. He has made new business cards and wants to start advertising his business through local media outlets. Until now, Jose has relied on word-of-mouth advertising to generate business. He uses a referral system that rewards his clients for recommending him. He hopes his new commercial advertising efforts will grow his business to better sustain himself and his employee.

Additional Information

About LiftFund

LiftFund. ( is an award-winning nonprofit organization (previously known as Accion Texas) with a mission to provide credit and loans to small and start-up businesses that have limited or no access to credit from commercial sources. Established in 1994 in San Antonio, LiftFund has helped Texas and Louisiana entrepreneurs strengthen their businesses, stabilize and increase their incomes, create employment, and contribute to the economic revitalization of their communities. Learn more at

About United States

  • $54,800
    Average annual income
  • 30
    View loans »
    United States Loans Fundraising
  • $12,203,400
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $5,525 helped Jose advertisement, cushion for operating expenses.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Feb 9, 2011
Mar 8, 2011
Currency Exchange Loss:
Oct 16, 2012