apply

1. To put into practical action. For example, people often apply what they learn in school in their careers.

2. To put forth effort. For example, to apply oneself means to put forth the effort when performing a task.

If you're starting a business and will need financing, keep your own credit record in good shape. If you apply for a business loan, the lender will likely review the personal financial statements of the main owners of the business. Concerns about the financial skills of the owners can raise the interest rate on a business loan.

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