How to Apply for Funding?

The eligibility criteria and requirements vary from one loan provider to another and depend on the financial product of choice, the borrower’s income level, credit rating, and other factors.

The Application Process
The first step is to shop around for financing options with competitive terms and rates. The next step is to check your credit rating and match it with your provider’s lending requirements. You may also want to request your report and check for omissions and errors. Then make a list of the required documents to bring with you at the bank. You may need documents from your current employer, mortgage provider, and other creditors. The documents required for a personal loan may include recent salary slips, bank statements for income or salary credited, and proof of identity. Financial institutions also require proof of residence in the form of utility bills or license agreement. Self-employed persons may be asked to supply additional documents, including proof of continuity of business, proof of office ownership and residence, and proof of office address. Other documents include latest bank statements, audited financials and income proof, and proof of identity. If applying for a mortgage loan, your provider may request documents such as cancelled checks for mortgage or rent payments as well as recent tax returns and profit and loss statements if you are a business owner.

Additional Information to Present
Not everybody has a spotless credit rating and this might prevent you from getting a loan or a credit card on favourable terms. If that’s the case you have other options and you can turn to alternative lender that offers credit cards for bad credit. If you don’t want to deal with smaller lenders you can apply for a secured credit card with one of the big 5 Canadian banks.

Most financial providers also request a list of assets and debts or outstanding balances such as investments, brokerage statements, vehicle and real estate titles and documentation, and mutual fund and bank statements. List outstanding balances on loans and credit cards, including student and consumer secured and unsecured loans, standard and specialty credit cards, vehicle financing, child support payments and alimony, and balances and minimum monthly payments. You may also want to list additional sources of income, if any, because lenders are interested in your debt to income ratio. Include income sources such as second job, seasonal employment, rental income, wages and bonuses, and others. The lower your debt to income ratio, the higher your chances of getting approved for funding. If your ratio is high, there are two ways to go about it, you can either try to increase your income or reduce your debt load and repay your outstanding balances faster.

Alberta Art Days

Alberta Culture Days are held from September 25th to 27th to celebrate the culture and arts of communities across Alberta. A number of events and initiatives take place to increase engagement and visibility and to raise awareness and promote cultural diversity.

Events, Exhibits, Venues, and Performers

This 3-day event showcases artwork and celebrates heritage and cultural life through a number of events, including readings, performance arts and dances, short films, workshops, and other daytime events. There are events that showcase Aboriginal culture and artwork as well as contests, family-friendly events, and many others. Hundreds of communities in Alberta register each year, and events are held in bookstores, libraries, and other venues. Many of the daytime events are free to join, and visitors enjoy performances across artistic disciplines. A number of programs promote cultural life, including Alberta Jubilee Auditoria, Alberta Foundation for the Arts, Provincial Art Collections, and others. At present, the 3-day celebration is held annually at multiple locations, including Medicine Hat’s Esplanade Arts and Heritage Centre, Old’s Fine Arts and Multi Media Centre, Calgary’s EPCOR CENTRE for the Performing Arts, and others. Gala performers starred include Mike Plume, Karissa Sovdi, Cadence Weapon, Amy Heffernan, Jenn Beaupre, and many others.

How to Participate

The Government of Alberta encourages communities and performers to participate and offers grants to eligible applicants. Only applicants registered under the Indian Act of Canada, Canada Corporations Act, Agriculture Societies Act, are eligible to apply for a grant. Applicants are required to provide relevant information about events and initiatives to national, regional, and local media as well as Alberta Culture and Tourism staff members. Participants also submit financial reporting, attendance numbers, and a participation synopsis.