heard about grace and ace through a friend of mine. we give people that shot they wouldn t have otherwise because they are people that are low income or moderate income but have maybe some problems with their credit or don t have enough collateral. when lisa first heard about a micro loan program in her community, she community, she approached her friend, terry, about starting up a business. she said, i found this entrepreneur loan that we could apply for and let s try it. i said okay. the loan lisa davies found is from ace, appalachian community enterprises, a community-based nonprofit micro loan organization set up to help people who traditional banks won t. we don t just look at the credit score, we look at what s gone on with the person. grace and her team do more than just make loans.