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Sam has always been cooking and working at food establishments. He started his own deli shop in Kendall Park about one year ago and has been doing well despite his lack of formal education or business training. Superior customer service sets Sam’s business apart from the rest. The varied and extensive menu is another distinction – Bagellicious serves not only bagels but gyros and a variety of Mediterranean foods as well. Sam is said to be flexible and is willing to prepare almost any food his clients ask for.

With this loan, Sam is able to employ a handful of staff and invest in better marketing, for example, a billboard on Route 27 to gain more exposure for his business.

Additional Information

More information about this loan

This loan is part of the Kiva City Newark initiative in partnership with the Intersect Fund. Kiva City Newark is a subset of Kiva City, a program that allows Kiva lenders to make microloans to small businesses in the United States with the help of community organizations and U.S. Field Partners.

About The Intersect Fund

The Intersect Fund (IF) is a rapidly growing, nonprofit microlender and a certified Community Development Financial Institution that equips entrepreneurs in low-income areas of New Jersey with the skills and capital they need to build profitable businesses. Since inception, the organization has served more than 500 entrepreneurs. Kiva lenders’ funds are used to impact an even greater number of entrepreneurs in New Jersey and help them boost their incomes.


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 $5,250 helped Sam to create jobs at a Lebanese deli and helps to increase visibility of his shop.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Sep 23, 2013
Oct 29, 2013
Currency Exchange Loss:
Jul 17, 2015