"Wonderfully supportive network of folks"

- Marlo, Marlo's Bakeshop


When I started Marlo’s Bakeshop in 2012, I had no idea what challenges and expenses lay ahead for me in the packaged food industry.  All I knew was that I had a phenomenal secret family recipe that was too good not to share with the world.

Without my naiveté I would have never jumped face first into the hardest but most rewarding journey of my life, however that blissful ignorance quickly turned into the realization that I would need cash to start and build this business on an ongoing basis.  Oftentimes in packaged foods you are required to lay out money for ingredients, packaging, and labor, months prior to the finished product landing in a store or in a consumer’s mouth….and that means months before we get paid by our customers for that finished product.

My Kiva loan helped me stay afloat in the day to day operations of a food business and its inherent demands on cash flow.  The Kiva community also introduced me to a wonderfully supportive network of folks and other entrepreneurs from whom I learn every day!


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About the author

Kathinka K. Nakstad

Kathinka moved to San Francisco to pursue her BBA degree, with a major in marketing. Being form Norway, she time to time misses the different seasons (especially winters with snow). One of her hobbies consists of finding a part of a city and explore it for a whole day. Checking out cool boutiques, and the best places to eat. Two of her favorite places to visit are Budapest and Vienna. No wonder her dream job would be to travel the world and write about the places she visits.