A loan of $10,000 helped to pay payroll and initial office setup costs.

Lucy's story

Spending just a few minutes in Lucy’s nurturing presence, it’s easy to see why she decided to start a business caring for the elderly and infirm. All through her life, whenever a family member fell ill, Lucy was first to step up and lend her time and energies toward helping that person recover.

Lucy was very close to her grandmother growing up, so she was devastated to learn that her grandmother had developed Alzheimer’s and was put in an institution while she was away at college. Lucy decided then and there that she would do everything possible to keep her loved ones from ending up in institutions.

Later on, when she saw her sister run a successful in-home care business in South Carolina, Lucy came to the conclusion that this would be her ticket to financial independence. Her sister has been running the in-home care business for 15 years, and Lucy has found her advice about how to start another operation in San Diego to be invaluable.

But business strategies don’t always translate perfectly from one state to another, as Lucy has found. Regulations in California are often very different from South Carolina when it comes to the elderly and infirm, which left Lucy without any easy answers coming from her sister. Nonetheless, with time and hard work, Lucy has managed to clear all the regulatory hurdles she’s encountered, and is ready to take the next step forward.

Lucy will spend her Kiva loan on initial office setup costs and covering payroll during the early phases of her business. If there is any money left over, Lucy hopes to start building a reserve so that she can cover payroll in the event that there is some delay in Medicare payouts.

Ultimately, she derives most of her satisfaction at the job from knowing that she is keeping her clients at home and out of institutions. When Lucy sees a discharged patient make a full recovery or an elderly client be able to maintain independence, it reminds her why she started her business in the first place.

Loan details

Lenders and lending teams

Loan details