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Williams & Associates Communications d/b/a American Banner Books

Pine Bluff, AR

Personal Story

I am Michael McCray, a native Arkansan; I traveled to Washington, D.C. with the Clinton Administration and began my community development career working on the Presidential Empowerment Initiative, also known as the Federal Empowerment Zones and Enterprise Communities (EZ/EC) Initiative. I served with distinction as community development specialist and a National Speaker on community economic development and technology for USDA. I also toured the country conducting technology training and speaking engagements at three White House Empowerment Zone Conferences.

I blew the whistle on racism, corruption and $40 million of waste fraud and abuse at the U.S. Department of Agriculture. As I result I suffered tremendous retaliation and harassment from the Federal government. This drastically changed my personal life and professional career for the worse. I lost a beautiful fiancée and promising Wall Street career. However, I vowed that I would not become a victim—instead I chose to fight back and become an outspoken public interest advocate. Consequently, I joined advocacy groups and coalitions, and I became an active member of the whistleblower community.

I am a founder of the International Association of Whistleblowers (IAW) and a member of the Make It Safe Coalition (MISC). Each year we sponsor Washington Whistleblower Week which is the largest gathering of public interest groups and individual whistleblowers in the country. The purpose of this meeting is for legislative advocacy and to empower individual whistleblowers by providing a mutual support network for them.

We have had congressional hearings, plenary sessions, marches/rally’s, lobby day, book signing, movie nights, etc. As a result of my activism, I have met famous whistleblowers from around the country, including Frank Serpico (Serpico), Erin Brockovich (Erin Brockovich) Coleen Rowley (Time Magazine Person of the Year), Jeff Wigand (The Insider), and others.

Whistlebloweing is a time-honored tradition that is as American as apple pie. Paul Revere was perhaps the first American whistleblower—“the British are coming, the British are coming.” And Abraham Lincoln enacted the first whistleblower law following the civil war. I am proud to say that after 13 years of struggle, we finally passed the Whistleblower Protection Enhancement Act (WPEA) this year. This is the first whistleblower protection legislation in the 21st century.

I came to realize that while most whistleblowers eventually lose their cases; every whistleblower I knew had one hell of story to tell (win, lose or draw). It was that knowledge that inspired me to create American Banner Books, which is an independent small press that publishes whistleblower books. It is the only book imprint, which tells stories by individual whistleblowers, in there own words. The first book release is “RACE, POWER & POLITICS” the inside story of ACORN. Ultimately, American Banner will also release books, screenplays and movies.
As an author, I dealt with the organization’s controversies firsthand as an ACORN National Board Member. In my new book RACE, POWER & POLITICS, I peel back the veil of secrecy within the organization, and gives the public an inside look at the hypocrisy and corruption that brought down the once-venerable advocacy group.

Today, I am a dedicated human rights and public interest advocate. A Howard University, American University and Georgetown University Law Center alumnus, I am committed to education and teach community economic development and finance at Prairie View A&M University as a visiting graduate professor. I am also a former National Board Member of ACORN.

Business Description

American Banner Books (the Company) is a local based start-up firm that specializes in Publishing and Public Relations. The Company is the first minority-owned conservative book imprint in the state of Arkansas and perhaps the nation. The Company has acquired the rights to publish the first release of “Race, Power & Politics– Memoirs of an ACORN Whistleblower”. This is the inside story of ACORN, which has already received extensive national media coverage. This highly anticipated book promises to be a National Best Seller and American Banner seeks marketing and promotional capital to realize the full potential of this important literary work.

Manufacturing – The Company uses all available technologies including Print On Demand (POD) capabilities through Lightning Source (www.lightningsource.com) capabilities to streamline the production process to minimize costs and manage inventory levels. Additionally an eBook version was created and distributed through Amazon Kindle Store and the Apple iBookstore.

Distribution – American Banner Books are distributed through the Ingram Book Company. The Ingram Distribution Channel has over 30,000 wholesalers, retailers and booksellers in over 100 countries. And with print to order, the book is printed and ready for shipment within 12 hours. Domestic (US) Distribution Partners: Ingram, Amazon.com, Baker & Taylor, Barnes & Nobel, NACSCORP, Espresso Book Machine. International (UK) Distribution Partners: Adlibris.com, Amazon.co.uk, Bertrams, Blackwell, Book Depository, Coutts, Gardners, Mallory International, Paperback Shop, Eden Interactive Ltd., Aphrohead, I.B.S.-STL U.K.

In closing, this is a unique opportunity for Kiva Zip to fund a technology based, publishing company. This small/minority owned business has the market potential to generate significant national exposure and service an international literary marketplace. Thus, the Company is seeking $5,000 in total funding. The loan will be paid back from the cash flow of the business within thirty six (36) months of funding.

What is the purpose of this loan?

The loan will be used for marketing and promotional expenses for the first release of the new book. "Race, Power & Politics--the Inside Story of ACORN." Specifically;

* Running ads in local news papers and library journals.
* Attending writing and publishing conferences.
* Printing business cards, post cards and posters.
* Implementing an Internet / Social Media marketing campaign.

I believe this loan has the potential to stabilize my business and establish a national platform for my writing and advocacy. I started this business because I lost my career due to speaking out against racism and discrimination in the government. Hopefully this loan will help me tell my story to a national audience which could will change my life and positively impact my family as well.

Michael's loan is endorsed by Charles Davis. The information below explains why his trustee thinks Michael is a great candidate for a Kiva Zip loan.
How long have you known this person?

1 year - 3 years

Tell us about your relationship with this borrower.

Michael is a CPA, attorney and a writer. His book "Race Power and Politics" is excellent. He is from Pine Bluff, AR. He has an interest in Economic Development in Pine Bluff and the Delta and we talk frequently about how to make things better.

Tell us about this borrower's personality and character, and why you are endorsing him or her for a Kiva Zip loan.

Michael is extremely intelligent and driven. This is exactly what the Delta needs.

Tell us about this borrower's business, and why you believe a Kiva Zip loan will contribute to his or her success.

Capital is lean in this part of the world so every dollar is important. His small publishing company has the potential of growing rapidly. I refer other writers to him frequently for publication. The Delta has a good story to tell and Michael can help tell it.

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A loan of $5,000 helps me to cover marketing and promotional expenses for an exciting new book release.

Disbursed Jun 12, 2013
Repayment Term:
24 monthly payments
Grace Period:
Mar 14, 2013
Jun 12, 2013
Paying Back:
Jun 12, 2013

About Williams & Associates Communications d/b/a American Banner Books

Communications / Media
Years in Operation:
6 months - 1 year

What are Borrower Badges?

Borrower Badges are a system designed to recognize and reward borrowers’ engagement with the Kiva Zip website.

There are two types of badges that are tiered like medals: Gold, Silver and Bronze.

  1. 'Repayment badges' are awarded for the on-time repayment of loans.
  2. 'Connectedness badges' are awarded for engagement with the Kiva Zip website.

This loan is endorsed by

Trustee Type:
Paused Tier trustee
North Little Rock, AR
On Zip Since:
Mar 14, 2013
(24 months)
Loans Endorsed:
Total Value:
Paying on Time:
Not enough data
Paying Back Late:
Not enough data
Repaid in Full:
Not enough data
Not enough data
Repayment Rate:
Why are you endorsing Michael?

Michael is extremely intelligent and driven. This is exactly what the Delta needs.

What are Trustee Badges?

Trustee Badges are a system designed to recognize and reward trustees’ engagement with the Kiva Zip website.

There are two types of badges that are tiered like medals: Gold, Silver and Bronze.

  1. 'Repayment badges' are awarded for the on-time repayment of loans.
  2. 'Connectedness badges' are awarded for engagement with the Kiva Zip website.