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Ray is the community handyman for the Fort Worth, Texas area. With more than 30 years of experience in home restoration, he is available to serve any client. Ray is experienced in installing floors and repairing or remodeling homes, with an emphasis on remodeling kitchens, and has worked in more than seven cities, including his hometown of Crowley, Texas.

Currently, Ray provides jobs for three people in his community. But when his business expenses exceeded what he had, Ray ventured to Accion Texas Inc. for a business loan. Once he was approved, he updated some of his tools, paid for maintenance on his work truck, and was able to go back to work and pay his employees.

Ray prides himself on being affordable while offering great service, but also says without the loan, he would have possibly had to lay off some of his three employees. Saved by his Accion loan, Ray is able to continue offering his skills and talent to commercial and residential clients.

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
  • 18
    View loans »
    United States Loans Fundraising
  • $12,463,800
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $5,450 helped Ray to repair his work truck, update his tools and pay his employees.
100% repaid
Repayment Term
32 months (Additional Information)
Repayment Schedule
Nov 21, 2013
Dec 30, 2013
Currency Exchange Loss:
Apr 30, 2015