1099 & Gig Worker Funding
Instant-decision funding for self-employed earners, contractors, and gig workers.
See my funding optionsAmount
$2,500 – $50,000
Speed
Instant decision
Best for
1099 contractors, rideshare and delivery drivers, freelancers, and self-employed earners who don't fit traditional small-business criteria.
Overview
Banks and most lenders only fund registered businesses doing $15K+ per month - leaving millions of 1099 earners and gig workers without options. Our 1099 funding program is built specifically for self-employed people who get paid on a 1099, drive for rideshare or delivery apps, or run a side business that hasn't crossed traditional revenue thresholds yet.
How it works
- 1Start your application online at no cost and no obligation.
- 2If your monthly revenue is under $15K or you earn via 1099, you'll be routed to our instant-decision partner.
- 3Get a decision in minutes, not days.
- 4Funds typically arrive same-day or next-day.
Pros
- Designed for 1099 and gig workers
- Instant decision - no waiting
- No minimum business revenue required
- Works even without an LLC or EIN
Things to consider
- Lower maximum funding amounts
- Shorter repayment terms
Who qualifies
- 1099 income or self-employment income
- Active U.S. checking account (business or personal)
- Most credit profiles considered
Deep dive: 1099 & Gig Worker Funding
Built for the 60M+ Americans earning on a 1099
Traditional small business lenders draw a hard line: registered business, $15K+ in monthly revenue, 6+ months of business bank statements. That cuts off the largest and fastest-growing segment of the U.S. workforce - independent contractors, freelancers, consultants, and gig-platform earners. Our 1099 funding program is designed specifically for this group, with underwriting that reads gig-platform deposits (Uber, Lyft, DoorDash, Instacart, Amazon Flex, Upwork, Fiverr, and similar) and 1099 income the same way a traditional lender reads business revenue.
Instant decision, same-day funding
Most 1099 funding applications return a decision in minutes, not days. If approved, funds typically land in your checking account the same business day. There's no in-person meeting, no faxed documents, and no requirement to form an LLC, get an EIN, or open a separate business bank account before applying.
What we look for
Underwriting focuses on the consistency of your deposits over the last 3–6 months, your average monthly earnings, and how recently you've been active. Credit is reviewed but is not the gating factor - most credit profiles are considered, including thin-file and rebuilding credit.
How much can you actually get?
Applications start at $2,500 and funding amounts scale with your average monthly deposits, up to $50,000. A 1099 consultant earning $10,000/month, for example, can qualify toward the top of that range. Repayment is structured as a small daily or weekly debit calibrated to keep your cash flow healthy. The amount, pricing and terms are decided by the lender.
Common use cases
Rideshare & delivery drivers
Cover vehicle repairs, a new EV down payment, or insurance renewal - get back on the road same day.
Freelancers & consultants
Bridge the gap between project invoicing and payment without dipping into personal savings.
Side-hustle entrepreneurs
Invest in inventory, ads, or equipment for the business you're growing on the side.
Seasonal 1099 earners
Smooth income through slower months without high-interest credit card debt.
Example pricing
Illustrative only - your actual offer depends on your profile and is shown after pre-qualification.
- Funding amount
- $5,000
- Total payback
- ~$6,250
- Term
- ~6 months
- Weekly debit
- ~$240
What you'll need
- Last 3 months of checking-account statements (business or personal)
- Government-issued ID
- Connection to your gig platform(s) or last year's 1099(s)