Torrie never thought one day she would be a business owner. As a Vanderbilt University School of Law graduate she began her career practising law. However, Torrie had spent years surrounded by a family who lived and breathed the skincare and beauty industry. Thus, as time went on she felt an intense pull towards the aesthetics industry. By 2008 she accepted her inner calling and opened J. Aesthetics, LLC.
J. Aesthetics, LLC is a full-service modern spa offering services such as chemical peels, vascular repair, laser facials, waxing and much more. Torrie’s goal is to help every woman capture the true essence of beauty inside and out. With this Kiva loan Torrie plans to transform her office with updated equipment and materials to create an unforgettable experience for her clients.
About ASI Federal Credit Union
ASI Federal Credit Union has been experiencing an increased rate of defaults. This is possibly related to the experimental nature of the loan products the organization provides. In order to serve asset-poor communities in New Orleans -- including many still recovering from Hurricane Katrina and the BP Oil Spill -- ASI offers loan products designed to help people start and grow businesses even if they don't have extensive collateral, credit histories, or business experience. For these reasons, these loans also carry a higher level of risk than typical loans on Kiva.