Business Loans for Gig Workers & 1099
Self-employed, 1099, and gig income counts. Use bank-statement and low-doc programs built for non-W2 earners.
- 1099 contractors and freelancers
- Rideshare and delivery drivers
- Self-employed operators without W2 income
See my options
months in business
monthly sales
credit score
- 1099 contractors and freelancers
- Rideshare and delivery drivers
- Self-employed operators without W2 income
- Sole proprietors scaling their work
How financing works for you
If you earn without a W2, standard loan underwriting can't see your income the way it does for employees — there is no employer paystub. Bank-statement financing fills that gap by measuring the deposits landing in your account.
You generally need a business entity, a few months of consistent deposits, and a bank account that shows your income. Clean and consistent deposits matter more than a perfect credit score.
Options that fit
Merchant cash advance and low-doc working capital are sized to your deposits — a natural fit for variable 1099 income.
Equipment financing works well for drivers and trades who are buying a vehicle, tool, or machine to earn.
Working Capital
Fast, flexible capital to cover cash-flow gaps, seize opportunities, or invest in growth - from $10,000 to $5,000,000.
Merchant Cash Advance
Revenue-based funding repaid as you sell - fast capital for businesses that take card or daily sales.
Equipment Financing
Fund the trucks, machinery, and technology your business needs - without draining cash flow. $10,000 to $5,000,000.
Invoice Factoring
Turn unpaid invoices into immediate cash. Funding against invoices aged up to 90 days - $100K+.
More situations we finance
Business Loans for Bad Credit
Yes — you can get business financing with imperfect credit. Lenders look at your cash flow, not just your score.
Startup Business Loans
Early-stage capital for founders who are still building revenue history — no long track record required for every option
Unsecured Business Loans (No Collateral)
Get funded without pledging property, savings, or equipment — unsecured options based on your business, not your balance
No-Doc Business Loans
Skip the full paperwork. Bank-statement and low-doc programs decide on your deposits and sales, not a stack of tax retur
Same-Day Business Funding
When the money can't wait. Compare options built for hours-not-weeks decisions and fast disbursement.
Second-Chance Business Loans
Past bankruptcy or defaults don't have to end your business financing options. Here's how to get back in the game.