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Jose was born in Nicaragua, where he worked as a public accountant for many years. When he arrived to the United States in 1988, Jose worked at various factories, always juggling at least two jobs, while working to improve his English.

In July 1995, Jose’s friend introduced him to the delivery service industry. Jose really enjoyed the work, and decided to start his own business as an independent delivery truck driver.

Jose now works in Philadelphia, delivering medicine to various pharmacies. He also makes large deliveries for a Hispanic newspaper company. Jose serves all types of businesses and he continues to expand. Jose says he has developed relationships with his clients and this sets him apart from the competition.

The money from this loan will go towards the purchase of another more efficient van for Jose’s delivery service. Eventually, Jose would like to make bigger deliveries using cargo vans. His long-term goal is to manage a team of 20 vans throughout the tri-state area and Pennsylvania.

Additional Information

More information about this loan

This loan is part of the Kiva City Newark initiative in partnership with the Intersect Fund. Kiva City Newark is a subset of Kiva City, a program that allows Kiva lenders to make microloans to small businesses in the United States with the help of community organizations and U.S. Field Partners.

About The Intersect Fund

The Intersect Fund (IF) is a rapidly growing, nonprofit microlender and a certified Community Development Financial Institution that equips entrepreneurs in low-income areas of New Jersey with the skills and capital they need to build profitable businesses. Since inception, the organization has served more than 500 entrepreneurs. Kiva lenders’ funds are used to impact an even greater number of entrepreneurs in New Jersey and help them boost their incomes.

About United States

  • $54,800
    Average annual income
  • 14
    View loans »
    United States Loans Fundraising
  • $12,909,200
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $2,750 helped Jose to purchase a more efficient van for his delivery service.
100% repaid
Repayment Term
17 months (Additional Information)
Repayment Schedule
Aug 30, 2013
Oct 8, 2013
Currency Exchange Loss:
Dec 30, 2014