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Serving Haslet, Texas, and the greater Dallas and Fort Worth area, military veteran Cody created his heating, ventilation, and air conditioning, or HVAC, business called CW's A/C Inc. in 2011. At the moment, Cody employs one other person besides himself to assist with his work load. Through the Accion Texas Inc. loan, Cody will soon hire a third HVAC specialist.

Upon certification from the Federal Aviation Academy, where he learned to properly work on HVAC systems, Cody decided to open his own business for the freedom he would gain as opposed to working for a corporation. Though the academy offers more courses in aviation, Cody decided to work on an HVAC certification because the Texas heat will keep his business in demand.

When starting his business, Cody realized he would need more funds to get on track with what he wanted to do. He then went to a bank to try to get a loan. The loan officer said he would not qualify and referred him to Accion Texas.

The Accion loan will help him gain more work than he can handle, Cody said. And that's a good thing! Without the loan, Cody said CW's A/C Inc. would have grown much slower. What differentiates his business from others within the area is that "I'm just honest with folks," Cody said. Find more information and photos of the one-year-old business online at: and!/cwsac.

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 $6,675 helped Cody to hire a third employee and secure his next project.
100% repaid
Repayment Term
27 months (Additional Information)
Repayment Schedule
Jun 22, 2012
Jul 19, 2012
Currency Exchange Loss:
Feb 17, 2014