Microlending in Our

Citywide Neighborhood

changing lives one microloan at a time!

We offer no-interest microloans of up to $1,000 to help individuals grow or stabilize a small business — and startups can apply.  Face-to-face conversation and a simple application process replace what is required by traditional lenders.  Members fluent in different languages are here to guide you.  Together, we can grow an economy that says it is right and just that we provide opportunity for everyone.

How It Works:

Step 1:  Contact these numbers to start the application process:

Janis Monger (English) jmonger05@gmail.com / (512) 296-8043

Gail Totten (Spanish) gailtotten@gmail.com / (512) 470-0451

Step 2:  At an initial Intake meeting, two church members will ask about your work history, how you intend to use the loan, the amount you need (maximum $1,000), your other sources of funding, and the goals you have for your business. 

Step 3: The UUMC microloan team will review that information and decide whether to ask you to fill out a short application and provide more detailed information about your business plans at a second interview. Things to think about:  

  • What is your customer base?

  • What competition do you face?

  • How will you let others know about your business?

  • Do you have any other outstanding loans? 

  • What other expenses do you have — and when do you expect to earn a profit?

  • Will an interest-free microloan help you reach your goals — or add to your debt?

Step 4:  If your loan is approved, a contract will be signed by both parties.  A repayment schedule will be part of that contract, and you will have one year to retire the loan.

Every dollar you repay will be used to make new loans to help more people.  We will stay in touch during repayment and beyond to offer encouragement — and find ways to support your growing business! 

Meet Miguel Kaiser & Zulma Nataren

Miguel & Zulma’s food trailer, T-Loc’s Sonora Hot Dogs, has more than 300 glowing reviews on Yelp!  You will see why when you visit their T-Loc’s Sonora Hot Dog food truck at 5000 Burnet Road. Their enthusiasm and good food are a winning combo. A UUMC microloan is helping them launch Austin’s first hot box-equipped food bike!


UUMC supports helping our Austin neighbors achieve greater economic security.  Miguel and Zulma held down multiple jobs to save the money to expand their business. They have done everything right to secure the necessary operating permits and develop a loyal customer following. And it is paying off! In March 2019, T-Loc’s faced off against Austin’s culinary stars in the National Taco Competition—placing 1st for “Best Beef” taco for their Carne Asada. Watch for their food bike at Austin’s festivals!


What some of our other borrowers are saying…

 Clementine & Co. Jewelry


 “I was using a 12-year-old computer that continually broke down. The loan from UUMC allowed me to purchase a new computer which helped me to reach my audience and make sales to keep my jewelry business going”.  
Emily Spykman

Uses fine metals and found objects chosen for their sustainability and their beauty.
Order online at clementineco.com 

Mister Rudy’s Ice Cream


“I appreciate the loan because I could purchase the equipment (freezer) so necessary for my business.” 
Rodolfo Rodriguez

Ice cream and delicious snacks.
Look for his ice cream truck near you. 

Earth Drum Glass 


The loan I received allowed me to work at something I love... glassblowing. Now I have opportunities I wouldn’t have had otherwise.” 
Adam Yoo aka Earth Drum

Blown glass, metalwork, pottery, soaps, and more.
Visit Community First Village’s store at
Village, 9301 Hog Eye Road, to purchase this work.