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For 22 years, Gilberto operated O. Real Estate & Tax Service in Lubbock, Texas. He moved to San Antonio in 2008 where he continues his work as a real estate broker and tax preparer.

Currently, Gilberto has one employee, his son, who is learning his father’s tax preparation and real estate sales trade.

Though there are many tax preparation services in San Antonio, some only a couple of miles from his own office, Gilberto says his two decades of experience sets him apart from others.

Gilberto graduated from Texas Tech University with a business degree in 1968. Upon graduation he worked for Montgomery Ward, then as a car salesman, and later as a door-to-door salesman.

After attending a tax preparation seminar at H&R Block where he learned to prepare taxes, he began doing his and his family’s taxes and received his license from the IRS to prepare taxes. From there, Gilberto decided to open his own business. "I wanted to be on my own. I didn’t want to be working for somebody else," he said.

This is Gilberto’s second Accion Texas loan. He plans to use it for working capital, mortgage payments and payroll expenses until tax season. "Without the loan, I would have run out of money unless I made a quick commission, but I don’t have any pending contracts and need to pay utilities, my employee, and mortgage payments for my business," he said.

The loan will help Gilberto’s business for the upcoming months, but his next step is to work with his son on establishing a website after 2013’s tax season.

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
  • 22
    View loans »
    United States Loans Fundraising
  • $12,684,675
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $5,250 helped Gilberto to meet his payroll, pay his mortgage and have working capital until tax season.
100% repaid
Repayment Term
27 months (Additional Information)
Repayment Schedule
Oct 31, 2012
Dec 2, 2012
Currency Exchange Loss:
Jul 17, 2014