We Finance All Types of Independent Workers
From rideshare drivers to tech freelancers, we understand non-traditional income
Rideshare & Delivery
Uber, Lyft, DoorDash, Instacart drivers
Freelancers
Web developers, designers, writers, consultants
Content Creators
YouTubers, influencers, photographers
Contractors
Construction, trades, home services
Independent Sales
Real estate agents, insurance agents
Professional Services
Accountants, attorneys, medical professionals
Program Guidelines
Key Benefits
Quick Qualification
Get pre-qualified in minutes. Our team understands gig economy income and can quickly assess your eligibility.
Frequently Asked Questions
Can I qualify with 1099 income from multiple gig jobs?
Yes! We can combine 1099 income from multiple sources including rideshare, delivery, freelance work, and contract positions.
How long do I need to be self-employed?
Most programs require 2 years of self-employment history. However, we have options for borrowers with 1 year of history in some cases.
Do I need to provide tax returns?
Not always. Our bank statement programs don't require tax returns - we use 12-24 months of bank statements to calculate your qualifying income.
What if my tax returns show low income due to write-offs?
This is exactly why our bank statement and 1099 programs exist. We look at gross deposits or 1099 income rather than net taxable income.
1099 & Gig Worker Loan Rate Information
Gig worker and 1099 contractor loan rates vary based on income documentation type, credit score, loan-to-value, and length of gig work history. Bank statements or 1099 forms may be used for income verification. Rates shown are estimates only.
Minimum 12-24 months of gig work history typically required. All loans subject to credit approval and income verification.
Licensed MLO approval required for all rate quotes and loan commitments.