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Update on Cindy

Pho Realz?!'s last Kiva loan gave them the boost they needed to get their budding business off the ground. As their pop-up noodle business has grown, they are now seeking a second $10,000 Kiva loan to purchase the equipment needed for an additional food tent, enabling them to be at multiple locations simultaneously. They are confident that their business will experience growth in the coming year with the help of Kiva lenders!

Working as a husband and wife team, Cindy and Ves created a mobile food tent which capitalized on their mutual love for South-East Asian food—in particular, pho or Vietnamese rice noodles. Their shared passion for food instilled in them a desire to provide an experience defined by quality service and authentic delicious food. Although they both loved the idea of opening a food truck, they decided to start small with a food tent instead. They have since been sharing their love of Pho at farmers markets throughout the San Diego area.

Financial capital has been the chief hurdle that Cindy and her husband have had to overcome. Furthermore, Cindy shared that their biggest struggle is getting the word out about their unique, local food tent. Regardless of the obstacles, she says that they both enjoy the challenge and are committed to the long-term success of their business.

Cindy finds value and passion in partnering with the local community and giving back, explaining that she has a deep appreciation for a locally oriented, hospitable mindset. She hopes in the future that her business can continue to share a love of different cultures while working with the community.

Previous Loan Details

Growing up, Cindy’s parents taught her the value of hard work and ambition. Her parents raised her to know that she could do anything she put her mind to, and she dreamed of living many places and experiencing life to the fullest. After she and her husband, Ves, married almost three years ago,... More from Cindy's previous loan »

Additional Information

Concurrent and Successive Loans

Our Field Partners often work with borrowers over a series of loans as the borrowers build credit, take out bigger loans, and expand their businesses. In order to make it easier for our Field Partners to post loans for borrowers who have been listed on Kiva before, we allow them to post successive and concurrent loans for their Kiva borrowers. This means that our Field Partners are able to post a borrower's second, third, etc., loan on Kiva without having to re-enter all of the borrower's information.

This borrower has been listed on Kiva before, so you'll see an updated loan description, as well as excerpts of the original descriptions from earlier loans. Most borrowers take out loans consecutively, meaning that they receive a second loan after having repaid the first. However, sometimes our Field Partners give out concurrent loans, allowing borrowers to take out one primary loan and a secondary "add-on" loan along with it. These "add-on" loans are typically smaller than the borrower's primary loan and serve a different purpose. Because Field Partners can now post loans as successive and concurrent loans, you will be able to track borrower progress over time and see the various ways a borrower is working with our Field Partners through funds from Kiva’s lenders.


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
Paying Back

This loan has been fully funded!

A loan of $10,000 helped Cindy to purchase the equipment needed for an additional food tent.
73% repaid
Repayment Term
38 months (Additional Information)
Repayment Schedule
Dec 20, 2013
Jan 17, 2014
Currency Exchange Loss:
This photo was used before for a previous loan for Cindy. It was first posted on Kiva on May, 2013. Learn More