Complete Guide How to Apply for Restaurant Loan

For your restaurant to get off the ground and be competitive for many years, you need an adequate amount of money. You should not be like others who think they can make a meaningful impact on their businesses without taking the required loans. There are many restaurant loans that you can apply for whenever you need and change your business’ prospects while your competitors are still debating about your move. You can apply to banks, credit unions, or other financial institutions for commercial loans to start or expand your operations. Are you wondering whether you can get these loans with ease? The fact is that you only need to follow the right procedure. Read on for the ways you can apply for a restaurant loan without breaking the bank. We will also see how you can get the most out of your advance. Remember to implement them the great insight that you will discover here.

Prepare Your Documents

Proper documentation will increase your chances of getting your business loan and working capital without any waste of your time. Prepare the right documents before you approach any lender. In the present digital age, you will learn that some lenders do not require many documents from you. As such, the materials that you get ready will depend on your preferred lenders.

 If you want to approach your bank, prepare all the documents that will support your claims. Get your bank statements and tax returns in order well in advance. Your banks will also require proof of sales and expenses. If you have any other details that can determine your profitability, such as your profit and loss statement, have them ready ahead of time as well.

Preserve Your Good Credit Score

If there is one leading cause of the frequent rejections of loan applications, it is a poor credit score. Maintain your creditworthiness and that of your business. A high credit score will increase your chances of getting large amounts of unsecured loans. If you are able, you can use your business assets to secure your restaurant loan as well. Remember, about 80% of restaurants close down before their fifth anniversary due to many reasons, including finance. Do whatever you can to ensure your personal credit score will not to lead to the failure of your restaurant. 

Prepare Your Business Plan

Your lenders can also see the viability of your restaurant by evaluating your business plan. That is not the main reason you should prepare an excellent business plan. This is your business blueprint. It will help you to know the total amount of money that you need and how fast you will be able to repay it.

For your business plan to help you achieve these two objectives, ensure it has all the essential segments. Ensure you include several years of both past and projected financial statements. Also, incorporate the type and value of assets you are prepared to use to secure your loan. Moreover, include an analysis of the market that you intend to serve. Lastly, you should add a statement of your business experience.

How to Use Your Restaurant Loan to Grow and Expand

Enhance Your Digital Marketing

Ensure your restaurant has a mobile-friendly and content-rich website. This site should also have advanced ordering functionality, integrated customer reviews, and real-time order updates. If you are taking the loans, yet you are not planning to improve your digital marketing, something may be wrong. Review your decision again.

Renovate Your Environment

Your business environment also determines whether your restaurant will be competitive. For example, you can improve all the back-of-the-house operations to perk up the customer experience. Also, you can treat your senior dogs to make them feel good and be more appealing to your clients. If your old dogs experience chronic diseases, such as the deterioration of their cartilage, visit https://www.doghabitat.org/best-glucosamine-for-dogs/ for more. When you focus on enhancing the right things in your environment, you will also increase the flow of your customers. 

Purchase New Equipment

Consider whether your equipment is delivering the right service without costing you too much. Use the loan to purchase what you need to increase your efficiency. Remember, if you buy high-value equipment, you will be able to use it as collateral at some point if the situation demands. In this case, you will not need to pledge more of your personal or business assets. 

Final Thoughts

Starting and running a successful restaurant is not easy. The truth is that it can be one of the toughest jobs if you lack the right skills. However, even with excellent experience and abilities, you cannot go far if you lack money. Many lenders are willing to finance your business, but they are concerned about your ability to lead your restaurant to great heights. The only way you can convince them of your credibility is to prepare and present the right documents in advance and plan well. Use the loan to grow and expand your restaurant. Finally, never forget to repay the loan at the right time since you will need more credits in future for further growth and expansion. 

Ways On How To Keep Your Indoor Cat Healthy

Cats make the best pets ever with the largest percentage of the world’s population, keeping cats in their homes as opposed to other pets.  Cats are cute, adorable, cuddly, and show affection through their eyes. This is the reason why cats are a popular choice for many people/families across the globe.  In the U.S. for instance, according to the American Veterinary Medical Association, many households keep cats for pets more than dogs.

However, keeping cats at home can sometimes be challenging in terms of how to care for your pet, the kind of food and how to relate with them, since cats sometimes tend to be furious especially if they are indoors. But when you understand your cat’s basic needs, keeping your pet happy and healthy is easy.

The following are ways on how to keep your indoor cat happy and healthy.

1. Healthy Diet

Cats are special animals just like human beings, and they have their own essential needs that have to be met by their guardians. Some of these basic needs are food, water, and litter box. Cats have different feeding habits from human beings, thus, creating a feeding schedule; probably two meals per day will definitely make your cat happy and healthy. 

Feeding your cat with most human food is not good for its health, because some human food is bad for cats. For a healthy cat, the meals should be grain-free, free from soy and filters. Thus, the first ingredient in your cat’s food should be meat and not by-products. You should also avoid feeding your cat with a lot of milk because digestion of most milk tends to be hard for most kitties.

2. Litter Box 

Keeping your cat’s litter box clean always is one of the best ways of ensuring that your pet stays happy and grows healthy. Cats are very picky creatures, and they like their litter box clean all the time. Litter boxes are also necessary because they help you know when your cat is sick for instance when there is blood in the litter box or an abnormal frequency in peeing.

Therefore, for a happy and healthy cat, it is a good idea to change your cat’s litter box weekly. There are different litter box choices to choose from depending on what works best for you; thus, you can get varieties and keep your cat healthy.

3. Grooming

Cats are the cleanest creatures of all the animals in Kingdom Animalia, with their unique way of cleaning their bodies. Apart from human grooming, cats clean themselves with saliva; as their saliva contains natural deodorants and cleansing properties.  However, human grooming is also necessary, i.e. brushing off excess hair, washing your cat once in a while and trimming their claws. 

According to pet’s experts, it is the connection between the owner and their pets that helps the pet to stay happy and healthy. Just like your kids, your pet too deserves love and affection. 

 4. Regular Checkups

Some people are forced to think that taking your pet to the Vet is a waste of time and money. But the truth is that your cat should visit a Vet more often to keep them healthy and fit. Vets provide you with trusted medication just in case your cat is sick and also coaches you on how to use natural remedies to keep your pet in good health.

Most importantly is the fact that, through regular check-ups, Vets can provide a regular vaccination routine for your pet as well as preventive measures from fleas and other pests.

5. Playtime

As a cat owner, spending several minutes a day to play with your cat is also very important in order to help your cat grow and stay healthy. There are several ways you can spend time with your cat, i.e. teasing him with interactive toys such as balls, toy mice and many more, lets your pet channel his instincts and keeps him active.

Most indoor cats get stressed and bored, and if you don’t cheer them up, they are likely to lead a humdrum life.   

Above are some of the most excellent ways you can employ if you want to have a lovely, happy and healthy cat in your home. Try them today, and you will love the experience!

Top 7 Reasons Why Cats Make The Best Pets

A cat is the most adorable animal you can comfortably keep around as a pet. There are a lot of different animals kept as pets, but cats are a popular choice for most pet owners across the globe. People have different reasons as to why they keep cats in their home and not others like dogs. 

So, if you are still wondering why most pet owners to keep cats in their houses over other animals, the here as some of the tops reasons as to why;

1. Cats Are Great With Kids

Are you looking for a pet that you can comfortably entrust with your kids? Cats should be your number one option. This is following the fact that cats are great with kids and have a lot of positive things on children. Keeping your cat happy and healthy is important because cats deserve love and affection so that they can relate well with your kids. 

One of the greatest benefits of keeping a cat is that he can teach the kids different social skills as they play together.  Cats can also help your kids overcome any traumatic situation as they will learn different ways to cope with life situations.

2. Cats Are Less Costly

We are living in an era where you cannot acquire basic necessities without money. So, if you are looking forward to owning a pocket-friendly pet, then cat stand out as your perfect option. Cats are less costly in the sense that, as long as you heed to their feeding schedule of at least two meals a day, keep its litter box clean, take him for check-ups and groom him, then all will be well. 

3. Cats Groom Themselves

If you are a pet owner who dislikes keeping dirty pets around your home, then you should consider keeping a cat. This is because cats can take care of themselves when it comes to grooming. A cat will not wait for you to take him to a groomer for him to remain clean since he can comfortably groom himself. 

In fact, the cat’s saliva has been proved to contain some cleaning properties and deodorants, which makes grooming easier. The only major intervention needed is only when it comes to claws trimming and brushing off excess hair.

4. Cats Are Quiet Animals

It is very hard to find a cat making noise as opposed to dogs. This is the reason why most apartments in different towns and cities allow cats. There is nothing which can annoying, like keeping a noisy pet. This is more specifically for those families who might have a kid who requires peaceful sleep. For cats, they are very quiet and so they will not be a nuisance to anyone.

5. Cats Are Playful

Cats have playful moods, and this is why you will find most cats playing either on their own or with their owners, specifically kids.  Playing keeps your cat active and cheerful all day long. Hence, sparing some time just to play with your pet lets him get rid of boredom.

 Several people have been forced to the belief that cats are playful creatures simply because they stay indoors and thus have an abundance of energy.

6. Cats Can Live Long

No one would want to lose their lovely pets for any reason whatsoever. But knowing that a cat is one of those animals that tend to live longer, this gives most cat owners a hope that they will have more time to interact. A well-kept cat can live for up to 12 years, depending on how the owner looks after him.

Therefore, as compared to dogs, cats have a higher probability of living longer and thus quite comforting most pet owners.

 7. They Are The Most Intelligent And Curious Pet

If you have interacted with cats enough, then you will definitely agree with me on this. In fact, according to Animal Planet, cats have been found to have that interest and capacity to keep learning new things than any other pet.  Their memory is also unchallenged by any of the animals you may ever think of in the animal kingdom.

Furthermore, their curiosity knows no boundaries giving them a better chance to explore most of the new thing other animals might not dare try or get interested in. 

Above are some of the pleasing things that drive most pet owner to go for a cat. So, if you don’t have any pet around your house, then you should consider owning a cat. Try having one today, and you will definitely love the experience.

Joie a Walk ‘N Roll Dog Legacy

On October 13, 2012 I adopted Joie (formerly Mylee) from Oregon Dachshund Rescue. After loving my Dachshund, Frankie (the walk ‘n roll dog) for almost 13 years who had IVDD and in a dog wheelchair for six years, I knew I wanted to open my heart to another special needs Dachshund.

It was love at first sight when I set my eyes on Joie (pronounced Joey).  In French the spelling of her name means joy. Little did I know then that she would only be in my life for such a short time.  Ten months and nine days to be exact. You can read more about her and why I had to say goodbye so soon in a post I wrote titled Remembering Joie.

For the past seven years it has been a passion of mine to educate others about Intervertebral Disc Disease and that dogs in wheelchairs can live quality lives.  I have no doubt it will be my lifetime passion and mission.

Joie leaves behind a legacy just as Frankie did, but in a different way.  Her story is featured in Inspiring Stories about Pets with Disabilities (Volume I).  Joie is also featured in a movie coming out late 2014 called, “The Surface.” She plays herself in a scene where one of the characters is having a flashback to his family life of his little girl and their dog in a wheelchair (based on a a true story).  I am so honored to know Joie will represent all dogs in wheelchairs around the world on the big screen and the quality life they can lead if given a chance.  Joie was on the set of the movie on August 12, 2013 and passed away shortly after that on August 22, 2013.

Though I only had Joie for such a short time I wouldn’t  trade the joy she brought to my life.  She was the happiest, sweetest little girl who went with the flow of life. She made me laugh and giggle on a daily basis.  Thank you, Joie for being my Joie de vivre (Joy of living).

Please join us in honoring ALL wheelchair dogs by liking us on Facebook at  NATIONAL WALK ‘N ROLL DOG DAY which was founded August 3, 2012. Help us spread the positive message about wheelchair dogs.

The Frankie Wheelchair Fund was also established in 2012 to help dogs in need with mobility challenges who need a wheelchair. To date we have helped over 38 dogs because of the generous 

Through Frankie’s Eyes Book Giveaway

Lessons From A Paralyzed Dog is excited to announce our latest Book Giveaway. Award-winning author Barbara Techel has an autographed copy of her touching memoir, Through Frankie’s Eyes, for one of our readers. The book is a tribute to Frankie, her beloved Dachshund who became paralyzed after a fall.

I’ve never met Barbara Techel, but after reading this very personal story about the bond she had with her dog, I feel like she could be my neighbor and friend. It’s a book every animal lover will thoroughly enjoy.

Frankie came into Barbara’s life when she was struggling to find her true calling. Then an accidental fall left Frankie paralyzed and diagnosed with Intervertabral Disc Disease (IVDD). Barbara became Frankie’s caretaker and along the way she began to appreciate how dogs in wheelchairs can have happy, long lives. She realized it is okay to be different.

Barbara took that idea and turned it into a series of children’s books with Frankie as the main character. Frankie the Walk ‘N Roll Dog and Frankie the Walk ‘N Roll Therapy Dog became huge hits with kids that were suffering from long term illnesses or having other difficulties in their lives.

Barbara and Frankie visited schools and children’s hospitals with their message. Altogether they made more than 400 appearances that benefitted countless kids.

Today Barbara continues to honor Frankie through the National Walk ‘n Roll Dog Day that celebrates dogs in wheelchairs. In addition, Frankie’s Wheelchair Fund helps owners get dog wheelchairs when they can’t afford to buy one. The fund has granted wheelchairs to 30 dogs and their families.

Enter The Giveaway

Through Frankie’s Eyes is a must-read for every pet parent. One lucky person will be chosen to receive this autographed book. 

One More Note

Since I started writing about Sophie and the five years she was paralyzed, I’ve met many pet owners who felt the need to take action after sharing their lives with a special needs pet. Some have started foundations to help the animals, some have developed new products to make life easier for a pet and others, like me, write about the experience so pet parents won’t feel alone. Being the caretaker of a paralyzed dog is truly a life-changing experience. I appreciate how Barbara Techel rallied to take care of Frankie and how she is honoring her memory. If you are living with a special needs pet, I would love to share your story too.

Take Some Time To Appreciate Dogs on Wheels

Welcome to Monday.

I hate writing those three words — or even thinking them — at least as much as you hate reading them, but this particular Monday is special, even though you might not know it. Today is National Walk ‘N Roll Dog Day.

Founded only two years ago by author Barbara Techel, National Walk ‘N Roll Dog Day is dedicated to honoring and remembering dogs in wheelchairs.

Frankie, Barbara Techel’s inspiration for Walk ‘N Roll Day, and the namesake of the The Frankie Memorial Fund.

I have some really personal feelings for this day, and it’s not because I have a wheelchair dog myself. It’s more of a human thing. Since my partner became disabled thanks to a stroke six years ago, I’ve gotten a much better appreciation of how easily people with disabilities completely disappear in public spaces. It’s far too broad a subject to go into here, but although architecture and public transit have become more accessible in the past few decades, a lot of improvements are still needed.

Most people, when they’re planning an event, don’t think about how to make the space more accessible. To a certain extent, I don’t blame them. There’s little information available on how to make a space or event accessible, and even I tend to see these things in terms of what my partner would need, while completely missing what the needs of someone with different disabilities would need. Because disabled people usually show up in television or movies only as gimmicks, and are rarely played by disabled actors, there’s a tendency to see them as obstacles to work around, rather than members of the community.

All of that is about humans, but you can easily extend it to dogs. Most people see dogs in wheelchairs as the ultimate gimmick, rather than a potential friend or member of the family. Other people’s wheelchair dogs are cute and adorable, but that’s because a lot of people see them as exotic novelties. It’s hard for these people to see themselves owning a wheelchair dog, especially when they’re at a shelter, looking for a dog to bring home. At shelters, dogs who aren’t young, able-bodied, and well-groomed are more likely to find themselves routinely ignored by people who could give them homes and companionship. In that sense, they do have a lot in common with disabled humans.

So take this day to think about wheelchair dogs, not as charming novelties, but as dogs with human families just like any other. One of the misconceptions about wheelchairs is that they confine the animal or person who uses them. The first phrase that jumps to mind from bad television dramas or hackneyed news articles is “stuck in a wheelchair.” In fact, the reverse is true. As you can see from the pictures here, these wheelchairs allow the dogs to live much more free, active lives than they would otherwise. Wheelchairs can, in fact, be great tools for liberation.

Ruby, one of the beneficiaries of Frankie’s Memorial Fund.

With that in mind, you might want to help some of the organizations that help provide wheelchairs for dogs. Barbara Techel and her group Joyful Paws operate the Frankie Memorial Fund, which collects money to buy chairs for dogs whose owners might otherwise not be able to afford them. Note that the Frankie Memorial Fund is not a 501(c)(3), so donations are not tax-deductible. Those who want to apply to receive fund from the fund can do so here.

You can also visit the Facebook page for Red Flyer, a community for disabled pets and their owners, for both information and support.

A lot has also been published right here on Dogster that might give you a new appreciation for the lives of wheelchair dogs and their owners. Earlier this year, I myself wrote about a sixth-grade class in Arkansas that made dog wheelchairs as a project.

Eddie, a proud beneficiary of Red Flyer’s efforts.

Bobby Kleinau’s story about how his Pit Bull learned to use his wheelchair after losing the use of his back legs provides a really nice first-person look into helping your dog learn new ways of enjoying life.

This webcomic that Liz Acosta found isn’t about a wheelchair dog, but it is a very touching story about a boy learning to love a three-legged dog, or “tripod.”

And no roundup of disabled dogs would be complete without Anderson Pooper, a master of two-legged dog racing.

Once again, remember that the lives of dogs and humans with disabilities are closely intertwined. Just as we help out dogs when they lose mobility, service animals are an important part of life for disabled humans. There are huge problems with people who pretend that their dogs are service animals just so that they can take them into stores and such, but even worse are companies who sell untrained dogs, claiming that they’re service dogs.

Last week, Michael Leaverton found that some Uber drivers have been refusing to give rides to people with genuine service dogs, even though that’s blatantly illegal. That’s not just a problem with Uber, though; a Best Western hotel recently got in a lot of trouble for rejecting a family because their son had a service dog to help him with his epilepsy.