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Michael was a drug addict for nearly half a century. He lost his family, home, car and job and was left wandering the streets of San Antonio, homeless, with only a backpack of clothes to his name.

Before changing his life around, his daily routine consisted of doing drugs, going to work without drugs, and then returning home to do more drugs.

Now 59, Michael is at last sober. And he owns a business. And he’s even creating jobs for others.

“It’s God’s will. I’m lucky to be alive,” he proclaims.

He started his business, MKH Construction, in June 2012. Within two months he had contracted 10 projects simply by word of mouth. And the business has continued to grow. He repairs homes to make them presentable for leasing. As Michael tells it, some tenants are not gentle on their properties, so landlords contract with him to fix, repair, or replace balconies, air and light fixtures and flooring.

Michael normally works on homes in Cibolo, Schertz and Converse, Texas. His business employs four to five residents of Haven for Hope, a transitional living campus for the homeless in San Antonio – where he also spent time getting his life back together.

Michael has been in the construction industry since he was 17 when he took his first roofing job in California. From there, he worked for a general contractor, who only hired workers who knew how to do everything to fix a house. While living at Haven for Hope, Michael contemplated working for the national do-it-yourself chain Home Depot--until he attended a day class on construction. “I was bored and had nothing to do, so I volunteered to work with the instructor, and he saw I knew a little more than him,” Michael said.

That instructor introduced Michael to Accion Texas, Inc., allowing him to become the first Haven for Hope resident to receive a loan. Michael returned to Accion nine months later to purchase equipment. “I’m running an honest job. What’s different about me is that I buy all materials and I don’t collect until the project is complete,” he says proudly. “The loan enabled me to buy tools that will help me do an even better job for my clients.”

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
  • 2
    View loans »
    United States Loans Fundraising
  • $12,977,700
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $5,325 helped Michael to purchase tools.
100% repaid
Repayment Term
32 months (Additional Information)
Repayment Schedule
Apr 30, 2013
May 29, 2013
Currency Exchange Loss:
Oct 20, 2014