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Patricio began his business, Peralez Trucking and Construction, eight months ago just outside the Brownsville, Texas, area.

Ever since he could work, Patricio always worked for his father, transporting rock, dirt, concrete and other building materials to work sites where his father installs septic tanks. But this familiar business wasn’t just a job to him; it provided a living.

In early 2013, Patricio’s father helped him purchase a truck to help with the hauling. As his father saw the entrepreneurial spirit in his son, he passed the truck ownership to Patricio to form his own trucking and construction business.

The money Patricio saved from working with his father wasn’t enough to maintain the truck, keep the tank full, properly operate his business and purchase what he needs before bidding on projects.

Seeing his struggle, his sister, a current Accion Texas Inc. borrower, recommended that Patricio visit the nonprofit microlender to inquire about applying for a loan. After Patricio applied and received approval, he quickly used the money for start-up and fuel costs, and regular maintenance for his truck. The Accion loan allowed Patricio to further his trucking and construction business and be competitive in his field. He is also now able to compete for larger projects in the Rio Grande Valley area.

As Patricio continues to bid for local work, he’s planning his next goal, which is to hire subcontractors to assist with the workload.

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
A loan of $5,450 helped Patricio to pay start-up and fuel costs, and provide regular maintenance for his truck.
Repayment Term
32 months (Additional Information)
Repayment Schedule
Jul 10, 2013
Sep 11, 2013
Currency Exchange Loss:
Oct 11, 2013