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Keller Psychological Associates, PA, was a corporation of “two psychologists offering testing, therapy, and other mental health related services to the Keller and Southlake areas” in Texas, according to the website, However, when Dr. Ray’s partner closed his office, Ray was left to carry on the practice alone.

According to the site, Ray, who is a clinical psychologist, offers his services with five years of graduate training in psychology. His background includes stints at the Children’s Medical Center in Tulsa, Oklahoma, and a fellowship in pediatric neuropsychology at the University of Miami Medical School.

Ray specializes in neuropsychological testing, individual therapy, parent training, and behavior management. A full list of services he offers is on his website.

Because of the recent change within his business, Ray needed his own office to work in. He found an office, went to the bank for a loan, and then learned about nonprofit microlender, Accion Texas Inc. Once he applied and was approved, Ray used the loan to cover remodeling costs and other business expenses which will help reduce debt.

Ray says the absence of a loan could have resulted in suspension of his practice.

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
  • 12
    View loans »
    United States Loans Fundraising
  • $12,909,200
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD
A loan of $5,450 helped Raymond to finance an office by covering remodeling costs and other business expenses.
Repayment Term
32 months (Additional Information)
Repayment Schedule
Sep 3, 2013
Oct 10, 2013
Currency Exchange Loss:
Nov 9, 2013