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After seeing a need for printing services in the Bastrop, Texas area, Marlene decided she would merge her wishes to create her own schedule and be her own boss with the demand for printing services when she opened Business and Personal Solutions in her hometown of Cedar Creek, Texas.

Business and Personal Solutions helps local businesses and organizations by offering customer service and low-cost printing of business cards, letter heads, programs, fliers and similar paper items. Within her business, Marlene offers replenishment and courier services with City of Austin and Capital Metro, Austin’s public transportation service, as she is contracted through these institutions. Her new business, created in 2003 and licensed in 2006, also allows Marlene to spend more time with her 4-year-old son.

With a total of 13 employees, Marlene has six employees replenishing route information for Capital Metro and seven employees performing courier services for the City of Austin. Though she does not print the door hangers for the City of Austin or route information for Capital Metro, Marlene plans to in the near future when she can afford to upgrade her digital copier for a faster off-set printer, which is required for the bus schedules and door hangers.

Until then, she plans to use the loan, obtained after approval from Accion Texas Inc., to have working capital, payroll, market her business, start a website, and purchase vests and caps as uniforms for her employees; these will include her business name and aid in marketing her business. Marlene also wants to purchase trinkets, such as pens, calendars or paper weights with her business name, and if she has enough funds left over, a website.

Without the loan, Marlene says she would have accomplished everything on her own, but would have less money to do so. She says, without the loan, “I would have to wait on the hats and vests and market door-to-door instead of using mail-outs.”

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 $4,550 helped Marlene to have working capital and pay for payroll, marketing, vests and caps as uniforms for her employees, and if possible a website.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Jul 11, 2012
Aug 15, 2012
Currency Exchange Loss:
Sep 17, 2014