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Susan started Rad Rags in 1989, providing custom tie-dyed clothing. She has been operating the business out of her home, located in the San Joaquin Valley of California. She has the clothes manufactured in California-based factories and custom dyes them individually by hand in unique colors and designs. She sells her products at festivals and events, as well as through her online store (

Susan is the sole caregiver to her aging mother. This has limited her ability to travel to events to showcase her inventory. This has negatively impacted sales.

This loan will aid Susan in the process of moving her business to a small location in Turlock, California, near several professional and healthcare businesses. The new location will allow her to showcase her inventory and spend more time with her mother.

More recently, the business has started to offer custom tie-dyed scrubs for medical professionals. Susan has generated a lot of interest from healthcare professionals looking for something different.

Susan received business planning assistance from her local Small Business Development Center. She was referred to Fresno CDFI because banks in her area are not interested in lending such small amounts.

Additional Information

More information about this loan

This loan has been made in collaboration with CAMEO (California Association for Micro Enterprise Opportunity) in order to build microlending capacity in California. In this partnership, CAMEO serves to support California microlenders, such as Fresno CDFI, throughout its partnership with Kiva. CAMEO’s mission is to grow a healthy, vibrant, thriving environment for all entrepreneurs and start-up businesses by advancing the work of its statewide member network.

About Fresno Community Development Financial Institution

Fresno Community Development Financial Institution (Fresno CDFI) provides affordable financing, training and technical assistance to individuals, small businesses and community facilities. Founded in 2007, it focuses its efforts on low- and moderate-income communities aiming to serve the financial needs of small business owners and entrepreneurs.

Kiva lenders’ funds are used to expand Fresno CDFI’s microenterprise loan fund with a focus on providing loans under $10,000. This is of particular importance to Fresno CDFI because the organization was initially created with the intention of servicing borrowers in need of smaller loans.

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