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Jose has been in business for 11 months in Laredo, Texas, operating Hieberia San Jose and considers himself a spiritual person. Jose’s business employs one full-time employee to assist with daily duties within his store, which offers spiritual water and candles, perfumes and prayer books.

When Jose needed additional money to renovate and make his business look more professional, he turned to a local financial institution but was unable to obtain a business loan. He was then referred to Accion Texas Inc. to inquire about their services and apply for a microloan. Taking their advice, Jose applied for and received enough to make necessary updates to his shop and transform it into a more presentable place. What’s left over will provide for cash on hand throughout the remaining of the year and permit additional supply purchases.

Jose says, “Without the loan, it would’ve taken me longer to do my updates.”

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
  • $12,223,950
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD
A loan of $4,375 helped Jose to renovate the shop.
Repayment Term
32 months (Additional Information)
Repayment Schedule
Jul 17, 2013
Sep 11, 2013
Currency Exchange Loss:
Oct 11, 2013