Tag: Get

Drug Addiction – Parents: How to get help, where to get help for heroin


How to Help a Friend or Family Member Addicted to Drugs

Everyone around an addict knows he or she needs help, but often the addict can’t see it. Many die exactly that way. Our goal is to try to provide the family with as much information as possible relating to the intervention process.

If you are ready to get your loved one into recovery now, contact Narconon.

Very often, an addicted person will know deep inside that he or she needs help but be unable to break the cycle long enough to receive the needed help. An example that is very common is when an addict encounters some major problem (e.g. they get arrested, kicked out of house, lose job etc.) and at that point is completely willing to discuss the addiction with loved ones. Unfortunately, if this opportunity is not quickly seized, the drug cravings and overwhelming environment will force the individual back into using drugs and it will be some length of time before he/she will encounter forces that again yield cooperation towards rehabilitation efforts.

What is the Ruin of the Addict?

The addict has things in his or her past or present that seem like devastating events and that have something to do with drugs. One example is a person that has lost his best friends due to his addiction. Another example is a person losing his wife and child over drug abuse. A family member can look at an addict’s life and see hundreds of reasons why he/she should quit using but unfortunately these reasons are not REAL to the addict. There are, however, problems the addict encounters that are real or significant in the addict’s life, which he/she sees as reasons to quit using drugs. These are important to identify because they can be used during the intervention to remind the addict why he or she must seek help.

What Pressure Does the Addict Feel Now?

The addict doesn’t necessarily have the same reality about their addiction that non-addicts might. For instance, he or she may have semi-serious health problems, no friends and no job or income but feel like they are ‘doing okay’. Many addicts have actually overdosed on drugs coming very close to death and are right back using drugs the very next day. This may appear crazy but in fact is only part of the pain for the addict.

Where to get help for heroin addiction

With this in mind, the addict from time to time will encounter added pressure, which forces him/her to make an actual decision about whether to seek help or continue to use. Pending legal charges that could easily lead to jail time, threat of losing spouse, pending loss of job, all are possible situations where a person has enough pressure to fight the addiction and seek help. Although any one in particular may not work in your situation, there are pressures that can come to bear which will help prod the addict into a decision to seek help. It is easy to assume the addict is “only seeking help to avoid jail” or some other evaluation which in many cases is true. The fact remains that an addict will only seek help when someone or something pushes him out of his “addiction comfort zone” and forces him into a decision. Addicts with access to money, a place to live and people who agree with their usage rarely seek help. They “don’t have a problem”. This is very important to understand and will be crucial in any attempt at intervention.

Who Should be There to Help?

One of the major considerations involving intervention is selecting who will be there. This matter should be well thought out beforehand. The number of people there is less important than who is there. If at all possible, the person in the family whom the addict respects the most should be there. This person is an opinion leader to the addict and needs to be there fully supportive of getting the person help and informed well about the actual agenda.

As many family members as possible should be there as long as each and every one are completely in agreement about the fact that the person needs help and supportive of the general agenda. If someone in the family is antagonistic against the addict and is not capable of restraining themselves from arguments and blame then you might consider leaving that person out. Usually, the addict has many enemies and has done wrong to most of the family but arguments and upset will not benefit the cause of getting the addict to seek treatment. In fact it will usually result in stopping this from happening because the focus of attention gets placed on the argument and not on the matter at hand.

The overall goal is to bring the addict up to a point where he or she realizes there is a problem and is willing to seek help. When this has been achieved, be prepared to get them to treatment without any delay.

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How to Get Into a Good College With Bad Grades, Synonym, grades to get


How to Get Into a Good College With Bad Grades

Grades to get into college

Having bad grades in high school makes it difficult to get accepted into a good college, but it is not impossible. You need extra motivation when you have bad grades, because the application process becomes more difficult. Often the traditional way of applying to a college will not work; you will need to take extra steps in order to gain acceptance.

Step 1

Find colleges that do not have strict admission requirements. Some colleges are flexible when accepting students.

Step 2

Talk to the dean of the department that you want to join. Explain to the dean why you did not do well in high school. Provide a detailed plan that you will follow to get better grades. If the dean is convinced, he can help you get accepted.

Step 3

Take classes as a non-matriculated student. A non-matriculated student is allowed to take classes and receive credits, but has not been accepted into the college. The dean may recommend taking classes as a non-matriculated student. Doing well in the classes is extremely important, because it can determine if you get accepted. You can also gain the favor of professors, who might be able to help with your admission. Taking classes on your own shows the college that you are serious about attending.

Step 4

Apply to the college where you have taken classes as a non-matriculated student. You still need to provide your high school transcripts, but now you can prove that you have the ability to do well in college.

Step 5

Enroll in a two-year college and earn good grades. Sometimes taking classes as a non-matriculated student is not enough. Enrolling in a two-year college will allow you to raise your grades and obtain an associate s degree. Upon completion, apply to a four-year college.


About the Author

Silvia Mendes has been writing articles for eHow since 2010. She has a joint Bachelor of Arts in history from the New Jersey Institute of Technology and Rutgers University. Mendes is pursuing certification in teaching English as a foreign language and a master’s degree in public administration.

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Felony DUI Penalties Continue to Get More Extreme #felony #dui #california #penalties, #felony #dui


Felony DUI Penalties Continue to Get More Extreme

Across the nation, lawmakers are passing stricter laws and penalties for people who are convicted of driving under the influence of drugs and/or alcohol. In addition, police departments are cracking down on drunk drivers more than ever.

The penalties for drinking and driving have increased, especially for offenders with prior DUI convictions. Many states make it a felony to have a number of prior convictions (typically three) within a certain time period.

A first DUI offense is typically treated as a misdemeanor. The penalties for a misdemeanor DUI conviction include fines, drivers license suspension, community service, probation, jail time and installation of an ignition interlock device.

The penalties for a felony DUI are even harsher than for a misdemeanor DUI. A person who is convicted of felony DUI is looking at a lengthy sentence in prison, in addition to steep fines. Convicted felons also lose many of their civil rights, such as the right to vote or own a firearm. In addition, the felon will also lose his or her driver s license for many years, if not permanently.

A driver may also be charged with DUI felony if he or she caused injury to another person while driving drunk. In addition to criminal penalties, the offender may also be held financially responsible for the accident. Their obligation could be millions of dollars.

In order for a habitual offender to get his or her driver s license back, an assessment interview is necessary. A professional counselor will talk to the offender to determine the extent of his or her drinking problem.

The counselor may then mandate that the offender attend Alcoholics Anonymous meetings or a residential treatment program. While the offender does not have to follow the counselor s guidelines, it is the only way he or she will ever get a driver s license reinstated.

In addition to following these guidelines, the offender must also obtain SR-22 insurance, which is very costly.

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Who Should (and Shouldn’t) Get Online Car Insurance Quotes #what #car #insurance #should #i


Who Should (and Shouldn’t) Get Online Auto Insurance Quotes

The Internet has made getting auto insurance quotes a lot easier. Rate-comparison websites let you see quotes from dozens of companies within minutes, or, with a bit more time, you can get rates directly from insurer websites.

But just because it’s easy to get an online auto insurance quote doesn’t mean you should skip an appointment with an agent. Online quotes have their place, but some shoppers may be better off working face to face with an insurance agent.

Have few assets? Online quoting is OK

The less complicated your insurance needs, the more likely it is that online quoting will be sufficient.

Who has less complicated insurance needs? “The single, young … or mortgageless,” says Chris Michaut of Jeff Williamson Insurance in Lebanon, Ohio.

If the most expensive thing you own is your vehicle, getting quotes and buying online will get you a reasonable policy, Michaut adds.

Buying online also is well suited to very price-sensitive insurance shoppers. “We have certain people call in … that are literally only looking for state minimum coverage. They are perfect candidates for online shopping,” says Scott Grimm of PPI West Insurance Services in Newport Beach, California.

Own a home? Talk to an agent

However, as you accumulate more assets, you may want to buy through an agent, says Scott Johnson of Marindependent Insurance Services in Mill Valley, California.

Buying your first home is a good time to consider using an insurance agent, and as you build up assets, an agent’s services become more crucial. “Ever try running a quote online with six autos, two of which are used for business, one primary home, one vacation home and a $4 million umbrella [policy]?” Johnson asks.

A quote that combines homeowners insurance, car insurance and umbrella coverage can be tough to manage correctly without an agent’s help. “As your net worth grows, the reasons multiply for you to be sued,” Johnson says.

“Once you have equity, savings, stocks, bonds and money in checking, an accident can wipe it all out! That’s when an agent can be of the most use to assess your need,” Michaut says.

Don’t have many assets? There are still reasons you might want to buy through an agent. Maybe you’re a little fuzzy on insurance terms, or maybe your situation is complex. If you have multiple tickets or claims, or use your vehicle for work, an agent can help you choose the best car insurance. Johnson says.

Shop smart when buying insurance online

Rate-comparison sites and and direct-to-consumer insurers, like Geico, can still be useful, even for homeowners. “It’s a great idea for everyone to shop around to make sure they’re getting a good deal,” Grimm says.

But it’s important to keep that information in perspective. You can buy the right coverage online, Michaut says, but the key is knowing how much you need — and an agent can help with that.

If you decide to get car insurance quotes online, know that saving on car insurance isn’t always the most important goal. Buying sufficient coverage — which often means buying more than the state minimums — is important. Michaut recommends liability limits of at least “50/100/50” — that is, a policy that covers $50,000 worth of bodily injury per person in one accident, a total of $100,000 worth of bodily injury per accident, and $50,000 worth of property damage liability.

And know that the cheapest quote may be misleading. “People should have their existing coverages in front of them to compare every line item,” Grimm says. If your new quote is based on a much higher deductible or lower coverage amounts, you might be fooled into thinking it’s a better deal.

“Don’t believe lowball numbers until [they’re] written in a bindable quote,” Johnson suggests. Shoppers can also help themselves by asking about additional fees and charges — for example, whether it costs more to pay premiums monthly rather than annually or semiannually. And “don’t use your car until you receive documents that say you are … covered,” he adds.

Image via iStock.

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Car insurance – How to get the best deal – Money Advice Service #how


Car insurance – How to get the best deal

The cost of car insurance has risen steadily over the last few years. Are you making the most of online comparison sites, best buy articles and insurance brokers? Follow our five simple steps and you could save yourself hundreds of pounds by getting the right car insurance.

1. Lower your risk

Cheap car insurance is not necessarily the best car insurance but there are a number of things you can do to lower your insurance risk and push the price of your car insurance down.

Make your car more secure

Top tip

Call BIBA (0870 950 1790) to get an insurance quote. If you have special circumstances they can help put you in touch with a specialist broker. Always seek more than one quote before you make your final decision.

  • Fit an approved alarm or immobiliser.
  • Park in a garage or driveway if possible
  • Make sure security devices are Thatcham approved.

Drive an average model

  • Choose a make and model from a low insurance group for a lower premium.
  • Insurers prefer popular models which are not as expensive to repair.

Be accurate about your mileage

The lower your annual mileage, the lower your premium.

However, don’t underestimate your mileage as this could invalidate your insurance when making a claim.

Drive safely

  • Prove that you are a low-risk driver – some insurers will give you a discount if you have taken a Pass Plus or advanced driving course. Find out more about Pass Plus on the GOV.UK website
  • Insurance claims or points on your licence will increase your premium.
  • Consider getting a policy which includes an assessment of your driving with telematics (‘black box’ technology). If you can prove you’re a careful driver, this could result in a lower premium.

Add a second driver

  • Smooth out the risk by adding a second, low-risk driver – even if they don’t use the vehicle much. (Adding newly qualified young drivers will increase the premium.)
  • Don’t break the law by pretending the second driver is the main driver.

2. Lower the price

There are a few things you can do which might lower the price of your car insurance.

Insurance Premium Tax rise

The Chancellor announced a rise in Insurance Premium Tax from 10% to 12% in June 2017.

Pay for your car insurance annually, not monthly

  • Check with your insurance company because sometimes you are charged interest if you pay by instalments.
  • You could save up to £125 on a £700 premium by paying annually. (Source: Which?)

Don’t pay for what you don’t need

  • Consider the cover you have under other insurance policies or elsewhere. For example, some bank accounts include car breakdown cover.
  • Sometimes your insurer or broker might try to sell you add-ons, like legal expenses cover. You might be able to get these products more cheaply elsewhere, or you might not need them at all.

Considering buying breakdown cover separately

  • If breakdown cover is included in your car insurance, check the price and the level of cover – you mightfind better cover for the same price or less elsewhere.

Protect or increase your no claims bonus

  • When changing insurers, make sure you can carry over your no-claims bonus.
  • Consider paying an extra premium to protect your no claims bonus, if you haven’t claimed for five years or more.

Think about adding a voluntary excess to your car insurance

  • Add a voluntary excess to your compulsory excess to lower your premium.
  • Remember you’ll get less back if you make a claim (after both voluntary and compulsory excesses have been deducted) so you need to be able to afford it.

Imagine you reverse into a bollard and do £300 worth of damage to your car.

If your excess is £150, then your payout would be £150. But if you claim, you’ll lose your no claims bonus and push up the price of your premium.

Are you likely to claim?

If not, you might as well increase the excess (providing you can afford to) and pay less for the policy.

Also, remember that unfortunately, even if you don’t claim you do have to tell your insurer that you’ve had an accident and your premium might go up as a result.

3. Shop around

The more time and research you put in to obtaining quotes, the more likely you are to get a better deal.

This is especially important if you’re over 70 or under 25, and at the first year renewal when premiums can go up significantly.

If you have the time, get quotes from at least two comparison sites and use insurers and brokers that don’t feature on comparison sites.

Remember, cheapest is not necessarily best. Get the right cover or your policy will not pay out when you need it.

Compare like for like – if you’re only looking for fully comprehensive deals, you can use the Defaqto comparison system.

Try a broker to see if they can get the same cover at a lower price – it’s free to ask.

Don’t have much time?

Use best buy tables to compare policies from a few reputable insurers.

Under 25?

4. Check the policy

Read the Key Facts and Policy Wording documents.

Otherwise, you won’t know if you’re getting the right cover.

If you’re renewing a policy with the same insurer, it’s up to you to check if the terms and conditions have changed.

5. Ask for a discount

Go back to your current insurer and ask them to beat your best quote.

Did you find this guide helpful?

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4 Ways to Get a Doctorate in Theology, how long does it take to


How to Get a Doctorate in Theology

Theology is the systematic study of religion. Theologians research, analyze and discuss spiritual, philosophical and historical texts. Theological experts develop an understanding of religion, publish written works on tests of religious theories and explain a variety of religious topics.To get a doctorate (a Ph.D/doctor of philosophy degree) in theology, students must complete specialized training and coursework at a university, seminary or school of divinity after completing bachelor and master degree work prior.

Steps Edit

Method One of Four:

Part 1: Learning Prerequisites for Ph.D. Programs Edit

How long does it take to get a doctorate degree

How long does it take to get a doctorate degree

How long does it take to get a doctorate degree

How long does it take to get a doctorate degree

How long does it take to get a doctorate degree

Method Two of Four:

Part 2: Applying to a Doctorate in Theology Program Edit

How long does it take to get a doctorate degree

How long does it take to get a doctorate degree

How long does it take to get a doctorate degree

How long does it take to get a doctorate degree

How long does it take to get a doctorate degree

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6 Tips to Get Approved for a Home Mortgage Loan, how do you get


6 Tips to Get Approved for a Home Mortgage Loan

Some people don t know the first thing about getting a mortgage loan. They hear reports of dropping interest rates and lower home prices and hastily decide to jump into home ownership. But the process of getting a home loan differs from getting a car loan or renting an apartment, and applicants who don t recognize these key differences are often disappointed when a lender denies their mortgage loan application.

Educating yourself is key, and there are a number of ways to avoid this heartache and disappointment when applying for a mortgage loan.

Getting Your Mortgage Loan Approved

Buying a house is already stressful, and being ill-prepared heightens the anxiety. Why put yourself through this? Learn how to think like a lender and educate yourself on the best ways to get your mortgage loan approved:

1. Know Your Credit Score

It literally takes a few minutes to pull your credit report and order your credit score. But surprisingly, some future home buyers never review their scores and credit history before submitting a home loan application, assuming that their scores are high enough to qualify. And many never consider the possibility of identity theft. However, a low credit score and credit fraud can stop a mortgage application dead in its tracks.

Credit scores and credit activity have a major impact on mortgage approvals. According to the Home Loan Learning Center, a large percentage of lenders require a minimum credit score of 680 (620 for FHA mortgage loans) and if your score falls below 680, lenders can deny your request for a conventional mortgage loan.

In addition to higher credit score requirements, several missed payments, frequent lateness, and other derogatory credit information can stop mortgage approvals. Pay your bills on time, lower your debts, and stay on top of your credit report. Cleaning up your credit history beforehand and fixing errors on your credit report are key to keeping up a good credit score.

2. Save Your Cash

Requirements for getting a mortgage loan often change, and if you are considering applying for a home loan in the near future, be ready to cough up the cash. Walking into a lender s office with zero cash is a quick way to get your home loan application rejected. Mortgage lenders are cautious: Whereas they once approved zero-down mortgage loans, they now require a down payment.

Down payment minimums vary and depend on various factors, such as the type of loan and the lender. Each lender establishes its own criteria for down payments, but on average, you ll need at least a 3.5% down payment. Aim for a higher down payment if you have the means. A 20% down payment not only knocks down your mortgage balance, it also alleviates private mortgage insurance or PMI. Lenders attach this extra insurance to properties without 20% equity, and paying PMI increases the monthly mortgage payment. Get rid of PMI payments and you can enjoy lower, more affordable mortgage payments.

However, down payments aren t the only expense you must worry about. Getting a mortgage also involves closing costs, home inspections, home appraisals, title searches, credit report fees, application fees, and other expenses. Closing costs are roughly 3% to 5% of the mortgage balance paid to your lender before you can seal the deal.

3. Stay at Your Job

I know someone who quit working seven days before she and her husband were to close on their mortgage loan. I have no idea why, and unfortunately, it didn t turn out well for them. They weren t able to close on their new home and they lost out on a great deal.

Sticking with your employer while going through the home buying process is crucial. Any changes to your employment or income status can stop or greatly delay the mortgage process.

Lenders approve your home loan based on the information provided in your application. Taking a lower-paying job or quitting your job to become self-employed throws a wrench in the plans, and lenders must reevaluate your finances to see if you still qualify for the loan.

4. Pay Down Debt and Avoid New Debt

You don t need a zero balance on your credit cards to qualify for a mortgage loan. However, the less you owe your creditors, the better. Your debts determine if you can get a mortgage, as well as how much you can acquire from a lender. Lenders evaluate your debt-to-income ratio before approving the mortgage. If you have a high debt ratio because you re carrying a lot of credit card debt , the lender can turn down your request or offer a lower mortgage. This is because your entire monthly debt payments including the mortgage shouldn t exceed 36% of your gross monthly income. However, paying down your consumer debt before completing an application lowers your debt-to-income ratio and can help you acquire a better mortgage rate.

But even if you re approved for a mortgage with consumer debt, it s important to avoid new debt while going through the mortgage process. Lenders re-check your credit before closing, and if your credit report reveals additional or new debts, this can stop the mortgage closing.

As a rule, avoid any major purchases until after you ve closed on the mortgage loan. This can include financing a new car, purchasing home appliances with your credit card, or cosigning someone s loan.

5. Get Pre-Approved for a Mortgage

Getting pre-approved for a mortgage loan before looking at houses is emotionally and financially responsible. On one hand, you know what you can spend before bidding on properties. And on the other hand, you avoid falling in love with a house that you can t afford.

The pre-approval process is fairly simple: Contact a mortgage lender, submit your financial and personal information, and wait for a response. Pre-approvals include everything from how much you can afford, to the interest rate you ll pay on the loan. The lender prints a pre-approval letter for your records, and funds are available as soon as a seller accepts your bid. Though it s not always that simple, it can be.

6. Know What You Can Afford

I know from personal experience that lenders do pre-approve applicants for more than they can afford. After receiving a pre-approval letter from our lender, my husband and I wondered whether they had read the right tax returns. We appreciated the lender s generosity, but ultimately decided on a home that fit comfortably within our budget.

Don t let lenders dictate how much you should spend on a mortgage loan. Lenders determine pre-approval amounts based on your income and credit report, and they don t factor in how much you spend on daycare, insurance, groceries, or fuel. Rather than purchase a more expensive house because the lender says you can, be smart and keep your housing expense within your means.

Final Word

If you don t meet the qualifications for a mortgage loan, don t get discouraged. Instead, let it be motivation to improve your credit and finances. Many people have risen above credit problems, bankruptcy, foreclosure, and repossession specifically in order to purchase their first house. Just be sure to implement a realistic plan and stick to it.

How long did it take you to realize your dream of home ownership? If you re currently working toward this goal, what steps have you taken?

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Denver, CO Mold Removal and Mold Remediation #mold #removal, #mold #remediation, #black #mold, #mold


Mold Remediation and Restoration

Related Mold Services

Any home or commercial property can quickly become infested with mold if a source of water is present. Mold can spread throughout a property in as little as 48 hours. Since mold can produce allergens and irritants, you should call us to inspect your Denver home if you suspect you have a mold problem. If mold is found, we have the training, equipment, and expertise to remediate your mold infestation.

Learn more about mold and what to do until help arrives by reviewing these mold damage tips .

If You See Signs of Mold, Call Us Today – (303) 593-1374

Related Mold Services

Understanding Mold

Microscopic mold spores exist almost everywhere, outdoors and indoors, making it impossible to remove all mold from a home or business. Some restoration businesses advertise “mold removal” and even guarantee to remove all mold, which is a fallacy. Consider the following mold facts:

  • Mold is present almost everywhere, indoors and outdoors.
  • Mold spores are microscopic and float along in the air and may enter your home through windows, doors, or AC/heating systems or even hitch a ride indoors on your clothing or a pet.
  • Mold spores thrive on moisture. Mold spores can quickly grow into colonies when exposed to water. These colonies may produce allergens and irritants.
  • Before mold remediation can begin, any sources of water or moisture must be addressed. Otherwise, the mold may return.
  • Mold often produces a strong, musty odor and can lead you to possible mold problem areas.
  • Even higher-than-normal indoor humidity can support mold growth. Keep indoor humidity below 45 percent.

Why Choose SERVPRO of West Littleton / Sheridan?

We’re Faster to Any Size Disaster

A minor mold problem can quickly become a major infestation if left untreated. We can start the remediation process immediately after you contact us. A faster response lessens the mold damage, limits additional damage, and reduces the remediation cost.

We’re Highly Trained Mold Remediation Specialists

As water and mold damage specialists, we have the experience, the expertise, and the advanced training that enables us to get your property restored quickly and thoroughly.

  • Applied Microbial Remediation Specialist
  • Water Damage Restoration Technician
  • Applied Structural Drying Technician

We Use Advanced Mold Remediation Techniques and Equipment

Our advanced equipment helps to detect and stop the source of water feeding the mold. We then isolate the affected area using a negative air pressure chamber.

The Mold Remediation Process

Every mold damage scenario is different, and requires a unique solution, but the general mold remediation process stays the same. The steps listed below illustrate our “typical” process:

  1. Emergency Contact – (303) 593-1374
  2. Inspection and Mold Damage Assessment
  3. Mold Containment
  4. Air Filtration
  5. Removing Mold and Mold-Infested Materials
  6. Cleaning Contents and Belongings
  7. Restoration

Common Mold Misconceptions

With sensational news stories and misleading advertising, you can easily understand why so many people are misinformed about indoor mold. Learn the facts about mold and the mold remediation process.

Locally Owned Company with National Resources

SERVPRO of West Littleton / Sheridan is locally owned and operated—so we live and work here too and are proud to be part of the Denver community. When you have a water or mold damage issue, we’re already nearby and ready to help.

We are also part of a national network of over 1,700 SERVPRO Franchises and special Disaster Recovery Teams strategically located throughout the country to respond to large scale disasters.

We are proud to serve our local communities:

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How to Get a Credit Card With an ITIN #how #to #get #people #to


How to Get a Credit Card With an ITIN

An individual taxpayer identification number (ITIN) is issued by the Internal Revenue Service for people who need to process taxes but aren t eligible for a Social Security number. While ITIN numbers were originally intended for the sole use of the IRS, many businesses such as banks are choosing to use them as a legal form of identification to open banking and credit accounts. Most banks will offer unsecured credit cards only to individuals with ITIN numbers who have already established a good banking history with them. However, anyone with an ITIN number is eligible to get a prepaid credit card regardless of credit history.

Prepaid credit cards have the Visa or MasterCard logo just like a regular credit card.


Enter prepaid credit card into an online search engine and press Enter.


Search through the terms and conditions of some of the offered cards and choose the one you like the best. A couple of choices that come up are AccountNow and Green Dot. Let s use AccountNow for an example here.


Click Sign Up Today – Free.


Fill out the Tell Us About Yourself form. This form will ask for your name, address, telephone number and email address.


Click the box saying you agree to the terms and conditions and click Submit.


Choose how you want to fund your card. You can choose to deposit your money by direct deposit, at a retail location or through an online transfer from another account.


Enter your ITIN number, your date of birth and your telephone number and click Submit.


Wait for your instant approval. Your application will be processed immediately, and you will be told if you were approved.


Wait for your welcome packet. The packet along with your new credit card will arrive in the mail in approximately five to seven business days. Your welcome packet will also contain instructions for setting up the funding for your new card for the first time.

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Top 5 Small Business Loan Requirements – How to get a Small Business Loan

#sba loan requirements


Top 5 Small Business Loan Requirements

The time has come to expand your business with new employees, a larger location or a new product line. It’s an exciting time, but stressful because you’re not sure you have the cash reserves to manage the expansion.

For many small businesses, this situation calls for a small business loan a cash infusion that pays for itself, plus the interest, with the new opportunities and extra income it allows you to create.

Many of our Kabbage customers are new to small business lending. Though they’re familiar with personal loans, they only know the basics of small business loans and lines of credit. For those who “resemble that remark” and for more experienced folks who would like a review of how to get a small business loan here is your expert-researched, Kabbage-curated list of the top five small business loan requirements to get the best possible small business loan.

#1: Strong Credit

The bad news about small business lending is it can be hard to qualify for the best rates and deals. The good news is this decade has more options for good small business loans than any other time in history. You can choose between platform lending. traditional loans (like from a bank) and a variety of hybrid options available from local vendors or via the internet.

This flexibility doesn’t mean your company shouldn’t look as good as possible on paper. Your FICO credit score will figure heavily in any lending decision, so (if time permits) spend time grooming that number in the months prior to applying. Research what other metrics the lenders you want use, and groom them as much as possible, too.

If you have a major ding in your credit, like a repossession or string of late payments, be prepared to discuss them and why things will go better in the future.

#2: Solid Business Plan

Part of understanding how to get a small business loan is ensuring you have a solid business loan. You should have one of these anyway, since a strong business plan is a prerequisite for stellar business success. Traditional lenders will expect to see an updated, professionally prepared business plan as part of the lending process. Lacking one tells them you’re not ready for the “big leagues” and are a bad credit list.

Though platform lenders like Kabbage won’t insist on seeing your formal business plan, similar documents about your social presence, industry statistics and unique market advantages all of which are part of a comprehensive business plan will go into decisions about what to lend you and how much it will cost.

Either way, get a business plan together.

#3: Compelling Personal Resume

Traditional lenders want proof that the people responsible for running a business are qualified to do so, and part of that proof will be seeing the resumes for you and other principles like owners and executive officers. This resume should be as solid, well-edited and up-to-date as any resume you’ve ever sent out.

Consider: the purpose of a resume is to get you the job you want. The purpose of this resume is to get you the job of running the company you want, instead of the company you have.

Platform lenders don’t look at your traditional resume, but they will look at your business’ curriculum vitae in terms of performance metrics and social sharing. Take time to groom those items as substantially as you would a regular resume.

#4: Bulletproofed P L Statements

Like your business plan, you should have these anyway. You should be using your profit and loss statements as part of a robust monthly “vital signs” check for your business. If you’re not doing them, dig into your accounting software for half an hour. You’ll find a tool that compiles P Ls from your records. If you’re not using software to keep track of your financials get started on doing that.

Lenders of all stripes are looking for three things in your P L: reliability, professionalism and ethicality.

  • Reliability – They want evidence that you will be able to make your promised payments, based on enough cash flow to cover the loan. If you don’t, the lender will assume that lending you money is too high a risk.
  • Professionalism – Lenders presented with incomplete, inaccurate or hastily prepared P L statements will assume that your business is similarly disorganized.
  • Ethicality – If you “fudge” your numbers to look better and get caught, you are done with that lender. The decision makers will assume that you cut ethical corners in other places.

#5: Knowledge of the Loan Needed

This is actually the first of the small business requirements that you should address, but we wanted to mention it last so it would be the freshest in your mind. Lending isn’t what it used to be – a situation where you went to a couple of banks, all of which offered the same basic products, and hoped they would agree to give you a loan.

Modern small business lending includes a wide array of traditional, platform and peer-to-peer options with wildly varying qualification requirements and rates of interest. Before you start working in earnest on the other four requirements for your loan, decide what kind of loan you need. That way you won’t waste time and effort preparing the wrong documents.

Do you have a tale of success or woe to share with the Kabbage community about when you aced a loan application or were embarrassingly unprepared? Share your story in the comments below.

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