Carla Malrowe is a singer, composer, keyboardist, writer, and music industry marketer from Johannesburg, South Africa. She is the co-founding vocalist, keyboardist and contributing songwriter for industrial goth-rock band Me’ek. As copywriter and content marketer, she develops marketing strategies for various music events companies to the purpose of  growing the South African alternative music scene. Marlowe is excited to announce that she is currently working on the debut EP of her new electronic project “Shiver Kiss.”

In addition to tax returns and detailed income statements, lenders often ask for a profit and loss statement. This may throw you for a loop considering it’s something normally asked of a business not an individual, but in the bank’s eyes you are a business since you are a 1099 contractor!

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