MountainWings A MountainWings Moment
#1179 Wings Over The Mountains of Life
The Loan Application
It was shortly after marriage when it became clear that two
people joining in Holy matrimony included the marriage of
debts. My total personal debt before marriage was approximately
$3,000, but it suddenly increased to approximately $30,000.00.
My wife could not work for about three years due to intermittent
ill health. Income that was adequate for me at one time,
suddenly had to be extended to her debts. Our credits began to
decline. Her car was repossessed amongst other bad experiences.
As her health improved, boredom overtook her. She suggested
starting a small business from home. She then decided to
capitalize on her excellent sewing skills. We bought a machine
and she began. Money was short and sewing jobs were few. On
the day that she got, what was for us, a huge job, approximately
$400 for one dress, the sewing machine broke. With no money to
repair that one or purchase a new machine, we threw our hands up
in despair and decided we would call our client to pick up her
On that day I had returned home for lunch since I worked
nearby. We discussed our dilemma, we accepted our plight, I
disappointingly had some lunch and started my walk back to
work. On my way I had to pass a Central Carolina Bank.
Just as I reached the bank, a voice inside of me spoke "Go
inside and get a loan." I figured it was desperation talking
since the bank was the source of our solution (Money).
I replied, "That's not the way it works. You don't just walk
off the street without a plan of repayment or formal proposal
and receive money from the bank".
"Just go inside. What's the worse that can happen?" the voice
At that time I was standing before the bank alone, a petrified
soul, debating a voice inside my head, sometimes laughing out
loud and sometimes disgusted at such a despicable idea.
"This is foolish, but like you said, what's the worse that can
happen. Even if it doesn't work, she doesn't know that I tried
this foolish idea anyway. So, okay! Here I go, stupidly into
this building without a plan, as I know it should be. I
whispered a prayer, Lord, please go ahead of me and make this
way straight. Courage, here I go!"
Once in the bank, I asked the bank manager a rhetorical
question, "How does one obtain a loan from your bank?"
"You fill out an application." She said.
"Okay, I wish to fill one out. What's the most I can ask for?"
another rhetorical question.
"Well, how much would you like to borrow?" she asked.
"Approximately two hundred dollars." I replied.
"Do you have an account with us?" she asked.
"Yes, and my account number is 4404899."
"Well, let me see how your account looks." she said.
She stopped typing, reviewed the computer screen then said,
"By the way, you can borrow up to five hundred dollars and
there's no need for an application."
"What do you mean?" I asked shocked, anxious and puzzled.
"Just go to the teller, and tell her that you would like a loan
of whatever amount, up to five hundred dollars, and just sign a
"Is that all?" "Why does it seem so easy?"
"Some time ago, you requested the bank to grant you a check
protection account. That loan was approved but apparently,
you've never needed it. So, its there and its all yours upon
Wow! Whew! You probably know my disposition at that moment.
God was in the blessing business at that moment. I withdrew two
hundred dollars, ran back home, pulled my wife by the hand into
the room, spread two hundred dollars all over the bed, drawn in
five dollar bills, then we prayed together for God's intervention
into our lives at one of those times when we needed Him most.
A personal experience Written by a MountainWings subscriber.
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