Get Instant Guaranteed Approval for Payday Loans No Matter What

Many borrowers often wonder if they can get 100% guaranteed approval for online payday loans with no credit check. Though Payday Loans are very easily and quickly provided to eligible applicants, not everyone can qualify for the necessary amount. Lenders can’t afford to lend money absolutely to everyone. They must consider risks and check the creditworthiness of a potential borrower.

That’s why they provide loans only to those who meet certain eligibility criteria. The first and main requirement is the applicant’s ability to repay the loan. You need to bring proof of employment and regular income to let the lender know he’ll get his money back.

Are there any Guaranteed Payday Loans for bad credit?

Actually, we can’t say that any borrower with a poor credit is sure to get the money. However, bad credit payday loans have very good approval rates and anyone can qualify for a guaranteed loan no matter what their credit is. Though, interest rates may be rather high as the way to make up for the lenders’ risks.

Guaranteed Payday Loans No Matter What Your Credit Score Is

As we’ve already stated, guaranteed Payday Loans don’t exist. But your credit score can lower or increase the chances of getting approved. The higher credit score is, the better loans and their rates can be offered to you.

Still, you can find lenders that do no credit check and offer Payday Loans on the basis of your employment and income.

How to qualify for Guaranteed Payday Loans?

Every lender has different eligibility criteria. But the basic requirements for guaranteed Payday Loans are:

  • Residence of the state where you apply for a loan
  • Age of 18+
  • Active banking or checking account
  • Valid contact details of your phone number and e-mail.

Besides, it’s recommended to apply through a referral service with instant access to multiple lenders. This way you prevent yourself from being disqualified from a Payday Loan.

How to raise the chances of getting Guaranteed Approval for a Payday Loan?

Apply to only one lender or connecting service. Multiple loan applications may disqualify you and damage your credit score. One loan request from a reputable lender is faster , easier and safer.

Provide only accurate information. Be honest with a lender.

Try to apply on a weekday when banks work. You’ll get more chances of having your loan request processed fast. Besides, you can receive the money the same day.

At the weekend you can look for special weekend Payday Loans for emergency expenses.

Why is Guaranteed Payday Loan No Matter What just a myth?

Lenders give unknown strangers money and naturally want to get it back. They can promise guaranteed approval but they must do some checks in order to make sure a borrower repays the loan. That’s why “guaranteed payday loans” are more like an advertising trick than reality.

However, we can’t but admit that Payday loans are really much faster and easier to get than other types of emergency funding available for bad credit.

Useful tips on how to Get Guaranteed Payday Loans No Matter What

  • Choose direct lenders that provide Payday Loans for bad credit.
  • Apply for a lender that offers no credit check Payday Loans.
  • Provide proof of some source of regular income to ensure the lender that you can repay the loan.
  • Look for online Payday Loan They are fast and easy.

If you follow the advice and apply for a fast bad credit Payday Loan from direct lender online, you are almost guaranteed to get instant approval and funding the same day.


Trusting Online services

Trust is the primary goal of any online marketing effort.

Everything you do online should be done to increase the trust that others have in you.
“Others,” in this case, includes both the initial new users and the existing customers of Numia. When you have the trust of those two audiences, you’re perfectly positioned for long-term success.

As there is say by David Temple “It’s easier to build trust offline because you have an office, a store, a physical manifestation of your presence. Those signals make it easy for people to trust you. Online you don’t have those same signals so you have to build them”.

And the other one from Debra, “Your site may be functional from a usability standpoint, but if it doesn’t build rapport or contain credible content, visitors will leave and place their confidence elsewhere”.

One great way to generate trust online is to contribute, be a member of communities that are of interest to your company, and respond to topics that may not be in your direct line of business.

So thats why, Numia have both forums and blogs to have its discussions going on and also too to respond to your needs. We need you to be open minded and share your feel on using our product. If it is good we would be happy and if there is any issues we would change it. All comments are given by you are appreciated by us.

Introduction to Adjustment Entries

In accounting adjustment entries are made in the journal at the end of the accounting period. These types of entries are made in accrual-based accounting based on the revenue recognition principle. Adjusting entries are made for income or expenses that occurred in a previous time period at the time of preparing the financial statements or on the balance day.

Free Accounting Software Two Scenarios for adjustment entry:

In this scenario, the income or expenses accrued but not recorded in the accounts. For example, if the payment for machinery that is acquired this month is paid the next month, an adjustment entry is made in this month’s account about the expenses next month.

In this scenario, the income or expense is recorded but need to be deferred at a later time. For example, if the EMI payment is made for the year in the month of January itself, a deferred entry must be made for every month by dividing the total amount by 12.
In case of payments received before the goods are delivered also requires an adjustment entry. First, the cash received is recorded then a deferral adjustment entry is made on the day the goods are invoiced.

Free Accounting Software Importance of adjustment entries:
So at the end of the financial year, the neat and clean balance sheet has to be presented to the stockholders. Not only to know the cash flow for the financial period but also to calculate the profit and loss precisely adjustment entries are a must. Even though adjustment entries are known as balance day entries, they can be done at the right time to avoid income and expense confusion.

Golden Rules Of Accounting

Online Bookkeeping Software Golden Rules of Accounting:

A good accounting system is to find the information about a transaction in a single entry. By looking into the nature of an element, the elements affected by the transaction we decide on what to debit and what to credit. Any account that is affected by the transaction has to either debited or credited. To do this we have a set of rules used to apply for debit and credit. The accounts are widely classified into three categories they are Real, Personal, and Nominal Accounts. So we will see how debits and credits act on these accounts.

Real Accounts – Debit what comes in, Credit what goes out.
Nominal Accounts – Debit all expenses and losses, Credit all incomes and revenues.
Personal Accounts – Debit the Receiver, Credit the giver.

Real Accounts:

The real accounts related to accounts that are intangible like assets, reserves, capital, and liabilities whose balances are carried to the next operational cycle are real accounts. The accounting rule that is used for this type of accounts are “debit what comes in” and “credit what goes out”. Say, if a building is bought from a person, debit the amount from the building account (real account) and credit it to the person’s account (personal account). Another scenario would be to sell a product on credit to a person, so credit the amount to the product account(real account), debit it from the person’s account(personal account).

Nominal Accounts:

The Nominal accounts are temporary accounts that are closed at the end of each year by moving their balances to Permanent accounts. Accounts that come under this type are expenses, gains, revenues, losses. The balance of these accounts becomes assets or losses at the end of the year and moved to permanent accounts. The accounting rule that is used for this type of accounts is “Debit all expenses and losses” and “credit all incomes and gains”. While paying the salary to the employees in cash, the amount is debited from the salary account (nominal account). If a discount is got from a company then it is credited to the discounts account.

Personal Accounts:

Personal accounts are accounts that are related to a person or an organization. The accounting rule that is used for this type of accounts is “debit the benefit receiver” and “credit the benefit giver”. If some cash was paid to person X. Then according to the rule the amount is debited from the person “X” accounts (personal account) and credit to the cash account. If a product is bought on credit from a company “Y”, then the amount is credited to the company “Y” account (personal account) and debited from the product account (Real Account).

So these are the “debit and credit” golden rules applied for accounting.

How to Get The Best Accounting Software For Your Small Business

This topic has been discussed in many areas like forums, blogs, different account-related websites. So I thought to write a few lines about Numia with other online accounting software.

Buying accounting software is a major investment. It’s an important decision and you need to be sure of all the facts before you buy. You certainly wouldn’t want to get accounting software and then find a few months later that the software can’t handle your growing business. And worst of all you don’t want to get the software with little or no support.

Software Prices

The cheapest software cost US $90 and the most expensive software cost US $1,500. But Numia absolutely Freeware and mainly it has all the features as many paid services.

Software Features

As per our analyzing team, each accounting software package has been thoroughly analyzed and there is a detailed breakdown showing the features of each. Most packages offer all the most important accounting modules. It was interesting to note that the most expensive software did not offer some of the modules offered by Numia.

Software Support

The most important feature in our opinion is the support. In Numia we give instant reply to your e-mails and also there are Video tutorials to guide you to use our product very easily.

Thus, Numia has all the features and also it can compete with other major accounting software in the future.

Get Guaranteed Approval with 2nd Chance Payday Loans from Direct Lenders

Need money now for emergency expenses? Keep being rejected for a loan because of your poor credit? Don’t despair! There’s always a solution. The best one is applying for a second chance Payday Loan online from a direct lender. You’ll get the money within 1 – 2 business days regardless of your credit.

What do you mean by 2nd Chance Payday Loans?

Second chance Payday Loans provide a guaranteed opportunity fr any borrower to get the necessary funding. Bad credit, not perfect credit history, previous debts don’t prevent any applicant from using their 2nd chance.  Get through the day with the help of 2nd chance loans no matter what your credit problems are.

A second chance Payday Loan is a short-term cash advance for a small amount repaid within a month. The reasons for taking out such loans may be absolutely various from paying everyday bills to financing small purchases. Though they are highly available, fast and easy, you should be careful and choose the lowest interest rates which you can afford to repay.

What types of 2nd Chance Loans are available for bad credit?

You can get emergency financing through various loan types available for bad credit borrowers. Choose the one which suits your personal needs and seems more convenient and affordable to repay.

Short-Term 2nd Chance Loans

With a short-term Payday Loan you get the money till your next pay check. You can also find short-term Installment Loans repaid in scheduled payments within a few months.

You don’t have to secure a short-term loan by any collateral. So, you don’t risk losing any of your property in case of loan default. However, interest rates are likely to be higher than for secured loans, or loans with a cosigner.

Payday Loans for bad credit

A 2nd chance payday loan is a fast loan to cover emergency expenses till your next pay day. Payday loans can provide you with instant cash same day after you get approved. Bad credit is not a problem for Payday Loan approval as most lenders do no credit check. You can apply online or in a store near you. There’re numerous direct lenders to choose from. Make sure it’s a legitimate payday company and they charge reasonable rates.

Cash Advance

You can take Payday cash advance or credit card cash advance. The only difference is in the repayment process. You repay the Payday cash advance in a lump sum as soon as you get a paycheck. With cash advance on your credit card, you pay a fixed fee plus interest until you pay off the balance.

However, you’ll need a good credit score to get a credit card cash advance. Payday cash advance is available to any type of FICO score.

2nd Chance Payday Loans from Direct Lenders

After you’ve been denied a loan by many financing companies because of a bad credit or no credit it’s time to find legit online direct lenders that guarantee approval even for poor credit. Such lending organizations aim at helping borrowers in any situation regardless of their previous behavior. Looking for a second chance with emergency financing? Apply online with a quick and free application form and compare the best offers from direct lenders. You can qualify for up to a $1,000 Payday Loan and get the money today.

2nd Chance Payday Loans vs Regular Payday Loans

Both Payday Loans and 2nd chance loans may also be called last chance loans. There’s actually no difference between these loan types. They help borrowers get money when they need it most.  No matter what you need a loan for, you can get it after a quick application online. Direct lenders guarantee instant decision and you have all the chances to get the money in your bank account the same day. Use your second chance – solve all the financial problems today!

How to get guaranteed approval for a 2nd Chance Payday Loan?

There’s no step-by-step guide on getting 100% approval for a loan, but we can provide you with some useful tips that really work.

  • Apply online using a comparing service that will give you access to multiple lenders at once. This way you’ll widen a circle of companies you send the request to with no affect on your credit history.
  • Always pre-qualify online and check if you meet the lender’s requirements not to apply to the company in vain.
  • Try to improve your credit score to expect lower interest rates.
  • Choose only legal direct lenders that operate according to your state’s Payday Loan laws and regulations.
  • Read the customer reviews and ratings.
  • Take out a 2nd chance Payday Loan only if you really need it and are sure to repay it on time.

Can I get a 2nd Chance Payday Loan with Bad Credit?

Bad credit is actually what 2nd chance loans are designed for. They are provided to borrowers with poor credit, those who can’t find financing from traditional banks or credit unions. There’re just a few simple eligibility criteria most direct lenders require:

  • A US resident or citizen
  • Age of 18 or more
  • An active checking account
  • Valid phone and email
  • Proof income

With 2nd chance Payday Loans you don’t have to drive to a store, wait in lines, do paperwork, faxing, credit checks, etc. The application process is fast, easy, and hassle-free. You

can apply online or even by phone. Money is available through a direct deposit you’re your bank account the same day or the next business day.


Trial balance

A trial balance is a list of balances of all the ledger accounts within a ledger. Usually, the trial balance is prepared every month. This is only done after all the transactions are recorded in the ledger.

Purpose of Trial Balance:

The main purpose of creating a trial balance is to check the correctness of all transactions recorded in accounts. But the preparation of the trial balance also helps to easily consolidate the final account statements.

How is Trial Balance prepared?

The trial balance lists the debit, credit accounts for a given ledger for a month. The trial balance is created in two columns one with all the debit balances and the other with all the credit balances. If the total of the debit column does not equal the total of the credit column then there is an error in the ledger accounts. The assets, expenses will be recorded under the debit balances. Liabilities, equity, and revenue will be recorded under the credit balances.


But there is no guarantee that if the trial balance is fine, the ledger accounts are correct. There might be some omissions in the ledger accounts, or even a duplicate entry is also a possibility. Some times there will be ledger entries that are wrong when looked into individually. But while doing a trial balancing there might have been other wrong entries that have compensated for these errors.

Trial balancing can easily trace the wrong posting of amounts in a different account. So trial balancing is also time consuming, but this will ensure that the debit and credit balances are corrected every month.

Deciding Between Bookkeeping Software and Bookkeeping Service

Bookkeeping – the record of day-to-day financial transactions such as sales, purchases, income, and payments by an individual or an organization. These records need to be produced at the end of every financial year. From small to medium to large business, maintaining financial records is a mush which therefore necessitates bookkeeping process.

The choice of preparing and producing the accounts: organization basically has three options: one is to prepare and maintain records manually; the next can be to employ the bookkeeping services and the last option is to use a bookkeeping software system. Each has its own advantages and disadvantages. Whatever may be the employed method, the ultimate thing is to produce accurate accounting information needed on time.

As the recorded financial transaction is very important for financial decisions and knowledge over the business performance, efficiency, and accuracy over the recorded transactions becomes the major concern. Further, the accounting information is the accumulation of documents such as sales invoices, purchase invoices, and possibly bank records during the financial year and after the end of the financial year for tax purposes.

Improper records of the above said data (as financial records) leads to unwanted penalties, simply administrative burdens. In analyzing the choices: keeping and maintaining manually may lead to data loss, inaccuracies, fines, and penalties thus leading to severe issues at the end of the financial year.

Manual bookkeeping needs regular and periodic evaluation of the data. In going for the choice of having a bookkeeper, trust and knowledge over the operation become the mandatory thing for any organization. Also periodic and regular tracking of the works and records maintained is necessary. Having a bookkeeper is also partially includes in manual work where accuracy level still depends on the knowledge of the bookkeeper.

The third choice of installing bookkeeping software also has few disadvantages. But these are overruled by its wide advantages. The major advantage is the reduction in paperwork and 90% of reducing the manual work thereby achieving accuracy and efficiency. By having bookkeeping software, no one other than the business owners and the authorized person knows the financial status which can be called the security over the accounts.

So by having the gist in hand, the advantages and disadvantages over the choices can be analyzed as discussed above. It can be said with proof that accounting software provides better financial control and performance over the others: manual bookkeeping and having a bookkeeper. Thereby administrative burden can be reduced and the organization can focus on its core activities.

Bank reconciliation | Bank Statement

Bank reconciliation is a process of matching the accounting details with the bank statements. Companies record the transaction like checks written, receiving payments, service charges paid in a general ledger of the company. So in the same checking account, the bank will also record the transaction done by the company.

Why do Bank reconciliation:

Most banks send statements to their clients on a monthly basis. So most companies check their ledger with the transactions recorded in the bank statement. Loss of checks can be found out easily by checking the statement or even the amount can be added to the ledger. Errors committed in cash received, are rectified while doing bank reconciliation. This process ensures that none of the transactions is missed out in the bank’s statements and vice versa.

For sure this is a tedious and time-consuming process to manually check each and every entry. Especially the bank service charges deduction maybe only on the bank statement, it cannot be found in the company ledger. Most important is the interest charges credited by the bank will be in the bank statement, but not in the companies’ ledger.

Apart from checking the amounts, even the timing at which the transaction was done is important. Say if a check was deposited at the end of the month the transactions will be in the ledger, but not in the current month’s bank statement. Bank reconciliation can avoid check bounces, undue credit reduction from a bank.

Bank reconciliation has more advantages than disadvantages. All companies no matter big or small do bank reconciliation to set right the accounts on a monthly basis. Instead of breaking the head while preparing final statements, bank reconciliation would be the best alternative.

Nowadays with online banking, banking reconciliation becomes simpler with advanced bookkeeping software. Most bookkeeping software is designed to integrate with online bank statements.

Banking Registers

The register is basically the official written record of names or events or transactions. Banking Registers are the records that are maintained in order to keep track of your banking transactions.

Numia, online accounting software not only helps you to record your accounting transactions or maintain your banking records but also enables you to edit or delete the transaction. You can view the report of the transactions of each and every bank separately within your desired time period.

The steps involved are as follows:

  • Select Bank-> Banking Registers.
  • Select the bank name to view the accounting transactions in that specified bank.
  • Select the account name.
  • Now you can view the list of transactions made in that bank in the corresponding account name.
  • Edit or delete the transaction by just clicking the edit or delete icons which are viewed by moving the cursor over the transaction.
  • You can also customize the report by clicking the “Customize” option. Customizing allows you to view the transaction report within specified dates and to differentiate the transactions based on reconciliation.
  • You can also export the report to an “Excel spreadsheet” or simply print it.