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!

We all love going to see a concert that features giant stage dressings and full costumes à la Empire of the Sun, The Knife, Erykah Badu, and GWAR, but these are all performers who are trying to make “larger than life” music, and push the limits of the performance experience with mountains of finance behind them. Don’t get discouraged! You can still incorporate some big ideas even if you’re making music with less funding.

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