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For eight years, Terry worked as a FedEx driver. But when he left the business in 1992, Terry realized he liked the business so much that he didn’t want to give it up. So he returned in 1994 as a contractor.

In 2007, however, Terry sold his route and trucks to Pry Trucking Inc. to keep his business afloat as he didn’t have enough payroll to pay his 13 employees. Shortly after, his wife developed his contracting business: Triple L Contracting. Terry then returned to FedEx delivering packages to homes and businesses in Cape Girardeau, Missouri.

Besides the raise in pay he gains from contracting, Terry said he decided to become an entrepreneur because he enjoys interacting with his clients. He says, “Basically, I have served the same customers since 1984. It’s almost like a family thing. We know each other.”

With his 13-member team, Terry says his business is growing; he plans on conducting interviews within the next two months. Triple L Contracting is expected to grow 47 percent in the next five years, he says, in which time he plans to hire four more drivers and purchase four more trucks.

However, Terry has never had much luck with money, he says. As he knew he needed cash flow to fix his financial situation and keep his business running, Terry decided to obtain a loan. After hearing about Accion Texas Inc. from one of his employees, he inquired about one and was approved.

The loan helped Terry with operating expenses and payroll. “It allowed me to take care of business,” he says. Without it, he believes some things would have been put off for months.

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 $4,175 helped Terry to pay operating expenses and payroll.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Jun 28, 2012
Jul 30, 2012
Currency Exchange Loss:
Nov 17, 2013