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"I want to encourage women to feel beautiful from what they're wearing… It's truly a great source of pride. There is power in fashion," says Heather, owner and founder of Heather Who.

Heather is a young woman trying to create a more fulfilling life for herself by doing what she loves. As a little girl growing up, Heather remembers sitting on the couch with her mother every night watching movies starring lead female roles like Hepburn and Monroe. Inspired by these women, Heather set out to discover what made these women so strong.

Shortly after graduating college, Heather realized that she would never be satisfied working for other people so instead she followed her entrepreneurial spirit and decided to do what she loves in order to make a living. Starting off by just word of mouth, Heather was able to create some buzz and pull in clientele for her brand new custom clothing businesses. Rather than opening a retail store, Heather knew that she wanted to make customized clothes so that her customers could see their outfits from start to finish. "It's a great experience when you know who made the clothes, and then there's truly a story with it," says Heather.

By starting this business Heather hopes to empower women through fashion in her community and with this loan of $10,000, Heather will be allowed to produce a small ready-to-wear collection for her online store as well as doing marketing.

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 Working Solutions

Working Solutions is a nonprofit organization committed to serving new and existing businesses in the San Francisco Bay Area by providing microloans, technical assistance, referrals for local resources, and educational workshops on access to capital.

Kiva is helping Working Solutions to bring domestic microfinance to the next level of development in the Bay Area. With Kiva lenders’ help, Working Solutions will be able to expand its lending program to a larger group of borrowers and begin accepting applicants that would have otherwise not been served due to funding constraints.

About United States

  • $54,800
    Average annual income
  • 13
    View loans »
    United States Loans Fundraising
  • $12,909,200
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD
A loan of $10,000 helped Heather to purchase equipment to expand her line of products.
Repayment Term
39 months (Additional Information)
Repayment Schedule
Jul 31, 2013
Aug 20, 2013
Currency Exchange Loss:
Sep 19, 2013