To Whom It May Concern,

   Getting enjoyment out of one's work seems to be a rare encounter these days.  I guess you could say that I'm one of the lucky ones.  The field that I am in, brings a smile to my face every day.  The only problem I have is that unfortuniately I do not have the credit or resourses to finance the company I would like to build. 

                                 Thank you for your time,

                                         Andy Stephens

          I am in need of a government loan to assist me in starting a home improvment business.  

          The loan will be used in many different aeras to secure all matierals,  advertising         

          expenses, wadges for employees, and travel requirements.  

                                         Thank you for your time and consideration,

                                                                                  Kendall Stephens