Steven Glaze Kansas City

Steven Glaze has been helping homeowners in Kansas City and Lee’s Summit for over 20 years. As a general contractor, he assists his team in project planning and also confers with clients to determine their specific needs for construction. He co-ordinates the procurement of construction supplies, materials, and equipment by creating and maintaining liaison with vendors and suppliers. He develops project completion schedules and ensures client to complete a project on time. He also stays in touch with them to keep them informed of work progress.

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Adaptable CMS | Small Businesses to Large Corporations CMS

If you are looking for the custom-made responsive content-management system Swizzard CMS is the best way to control websites content. It’s adaptable for small businesses to large corporations and provides a central interface allowing cost and time effective content management.  Its web presence allows you to manage your website even if you have no technical knowledge or experience with HTML or web site design. Through this, you can edit, update and format text, images, and contact pages on the fly.

swizzardEvery businessman know the importance of online presence, it doesn’t matter you have a small organization or you are operating the big corporation. If you really want to be in a race of competitive market or want to win the race it’s very essential to make strong Internet identity. Because online presence is the best way to grab potential customers.

It’s easy for large corporations to make an attractive website and update it on regular basis. But to exist in the market small organization also starts to make websites to reach local customers.  Building a website is really a pain in the ass for business owners.  When you own a small business, you have to really think of the budget and can’t go over a certain amount. That makes them restricted to build a website.At that point of time, Content management system or CMS can be used as a powerful tool. It’s totally free and required no programming skills to work with.

SWIZZARD, user-friendly CMS reduces the calls to your web design agency or IT department for modification to your website. It reduces the time required to publish, allowing you to get your content on-line faster. It provides security updates and design services and more. SWIZZARD adaptable content management system is a software application or set of related programs that are used to create and manage digital content in an easy way. It works according to the principle “What you see is what you get” (“What you see, you get.”).

SWIZZARD CMS is referring to a web application that provides capabilities for multiple users with different permission levels to manage web content. SWIZZARD experts have extensive experience in CMS web development services that enable to offer various services including CMS website designing, development, web application, responsive website designing, e-commerce website designing/ development and more.

How to enhance Your Prospect of Getting a Loan With a ballproof defense P&L Statement

One of the three imperative financial statements for your small business – a profit and loss (P&L) statement  of  CVS Surveyors– is useful for methodical purposes, but it can also tell any possible entrepreneur whether you have a strong workable operation.


If you’re appeal for for an SBA loan program, a P&L statement with forward prognosis and historical data is a must-have. Small businesses are congenitally a high-risk speculation for lenders, so the more you can do to prove the  decency of your business and your data, the greater your chances of connect a loan.

In fact, alongside unblemished credit, a solid business plan, a strong personal recommence and a calculated marketing plan, a P&L statement (also known as the income statement) is one of the top five small business loan essential according to Kabbage.

Here are five things you can do to bulletproof your P&L statement and be on your way to affix the financing you need:

  1. Comprehend what your P&L statement can do for your business:-Your P&L statement is a summary of the profit and losses that your business has incurred during a particular time period. Basically, it’s proceeds in, less expenses expose oneself to (cost of goods sold, OPEX, and depreciation).In addition to showing how remunerative your business is, your P&L statement also sheds insight on what money is left in the business to pay your salary, clear debts, fund growth or hire an employee. It won’t, however, show if you have enough cash to pay your bills. (Refer to your cash flow statement for those details.) In a nutshell, it’s your pecuniary health report card.
  2. Take advantage of accessible tools:-Getting started with a P&L statement isn’t the accessible thing in the world. If you need help, download SCORE’s profit and loss statement blueprint (.xls). This includes all the necessary computation to help you forecast net profit. To aerodynamic the process completely (and ensure reliable data), consider cloud accounting tools. Because they unquestionably feed in data from other reports, cloud software extinguish the hassle of data entry, harmonize and maintenance.
  3. Set desirability goals:-How much profit do you want to discern from one month or community to the next? Use your P&L statement to track presentation against those goals and use the data to glean insights. For example, if earnings were down one month, is there something you can do from a marketing interpretation to generate more sales? If expenses are running high, make sure you understand why and plan therefore.
  4. Set prognosis:-Your lender (and the SBA) will want to see your projections for future profits and losses, plus a business plan that describe, how you intend to make your numbers. Plan on projecting out a minimum of one year into the future. Three years, however, is ideal because it shows the impact that external capitalize will have on revenues and profits. For year one, have a clear sense of your monthly projections; for the remaining years, it’s usually okay to focus on quarterly targets.
  5. Review it regularly:-At a minimum, review your P&L statement on a monthly basis. It is a good idea to get into the habit of checking every single thing on a weekly basis, so you can stay on track and make necessary adjustments to your business plans. Consider hiring and accountant to keep an eye on your key financial proclamation the benefits will almost outbalance any fees. Things to look out for include:
  • Increasing sales, but diminish profit. This is a sign that something is wrong. Are your costs too high? What about your perimeter?
  • Stationary sales. Look for possibility for growth in new markets, product lines or lead generation
  • Increases in overhead (utilities, rent, insurance, etc.). Look for ways to keep costs low by a busy shopping area around.
  • Increases in the cost of goods sold (COGS). Find out why.
  • Supplementary statistics.
  • Find what else you need to concern for an SBA loan
  • Gather the Info You’ll Need

The SBA is not your only source for small employment loans. State and local economic  augmentation agencies as well as numerous nonprofit institution provide low-interest loans to small business owners who may not qualify for conventional commercial loans. This page will help to ensure that you are formulate


when you decide to apply for a small business loan.

Documentation Needed for Small Business Loan Entreaty.

While every loan program has specific forms you need to fill out and documents you need to submit, you will likely need to submit much of the same information for different loan packages. Before you start applying for loans, you should get some basic documentation together. The following are typical items that will be required for any small business loan application:

Personal Background: Either as part of the loan application or as a unconnected document, you will probably be asked to provide some personal background  statistics, including previous addresses, names used, criminal record, educational background, etc.

Resumes: Some lenders require evidence of management or business experience, exceptionally for loans that are intended to be used to start a new business.

Business Plan: All loan programs require a sound business plan to be  capitulate with the loan application. The business plan should include a complete set of projected financial statements, including profit and loss, cash flow and a equilibrium sheet.

Personal Credit Report: Your lender will obtain your personal credit report as part of the application process. However, you should obtain a credit report from all three major consumer credit rating agencies before submitting a loan application to the lender. Inaccuracies and blemishes on your credit report can hurt your chances of getting a loan approved. It’s critical you try to clear these up before commencement the application process

Business Credit Report: If you are already in business, you should be prepared to submit a credit report for your business. As with the personal credit report, it is important to review your business’ credit report before beginning the application process.

Income Tax Returns: Most loan programs require adversary to submit personal and business income tax give back for the  antecedent 3 years.

Economic Statements: Many loan programs demand owners with more than a 20 percent  upright in your business to submit signed personal financial statements. You may also be required to provide projected financial statements either as part of, or unconnected from, your business plan. It is a good idea to have these assemble and ready in case a program for which you are applying requires these documents to be submitted unaccompanied.

Bank Statements: Many loan programs require one year of personal and business bank  pronouncement to be submitted as part of a loan package.

Guarantee: guarantee requirements vary greatly. Some loan programs do not require collateral. Loans involving higher risk factors for default require considerable collateral. Strong business plans and financial statements can help you avoid putting up collateral. In any case, it is a good idea to prepare a collateral document that recount cost/value of personal or business  belongings that will be used to secure a loan.

Legal Documents: Depending on a loan’s specific requirements, your lender may         necessitate you to submit one or more legal documents. Make sure you have the following items in order, if  appropriate:

Business licenses and marriages and deaths required for you to performance business

  • Articles of incorporated
  • Copies of arrangement you have with any third parties
  • Authorization agreements
  • Commercial leases
  • Interrogation Your Lender Will Ask You
  • Forms vary by program and lending institution, but they all ask for the same information. You should be assemble to answer the following questions. It’s a good idea to have this information prepared before you fill out the application:
  • Why are you cover for this loan?
  • How will the loan revenue be used?

What assets need to be purchased, and who are your suppliers?

  • What other business debt do you have, and who are your creditors?
  • Who are the members of your trickery team?


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