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Joyce and Rick S. own Frosted Delights by Joyce, a café and bakery located in San Antonio’s “Southtown District” (just south of downtown). They bake custom-order cakes for weddings and special events, as well as offering coffee, food, and desserts in their café. A few weeks ago, Joyce and Rick expanded their menu to include deli food, giving customers dining options for any time of the day.

Having baked recreationally for most of her life, Joyce dreamed of someday owning her own bakery. Prior to opening “Frosted Delights by Joyce,” she spent twenty years working with AT&T. Rick spent most of his life in the trucking industry and was working as an operations supervisor when the recession forced the company he was working for to eliminate his position. Instead of looking for a new job in the trucking business, Rick, together with Joyce, decided to retire from their careers and launch their own business.

Rick and Joyce opened “Frosted Delights by Joyce” in November, 2010. In the six months they have been in business, they have already developed a loyal clientele. For them, it is rewarding to see repeat customers walk through their doors because it tells them they are doing a good job. They hope to continue growing the deli and delivery part of their business by capitalizing on their location close to downtown. With all of the companies in the area, they see great opportunity for growth.

Rick says that he and Joyce work more hours now than they ever have, but that being personally and emotionally invested in the business makes it all worthwhile. In addition to the two of them, Frosted Delights by Joyce has two part-time employees. Joyce and Rick are using this loan to purchase more equipment. For example, they need more baking pans, and as their business continues to grow, will soon need another oven.

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
  • 0
    View loans »
    United States Loans Fundraising
  • $12,982,700
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $9,100 helped Joyce to buy equipment: baking pans, snow cone machine, oven.
100% repaid
Repayment Term
39 months (Additional Information)
Repayment Schedule
Mar 31, 2011
Apr 13, 2011
Currency Exchange Loss:
Jul 2, 2014