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Funding solutions

Funding for 1099 Contractors and Gig Workers

Independent contractors and gig workers can qualify for business funding based on 1099 income and bank deposits rather than traditional business financials. Amounts are usually smaller, but approvals can be fast.

$5K–$150K‡Typical amount
6–36 monthsTerm
1–3 daysTypical speed*
Often 6+ months of 1099 incomeTime in business

Check your 1099 & Gig Funding options

Question 1 of 4
How much funding do you need?
Pick a range. You can change it anytime.
No hard credit pull · No obligation · Tap an answer to continue

1099 & Gig Funding may be a good fit if…

  • You file 1099 income as a contractor or owner-operator
  • You need equipment, a vehicle or working capital
  • You do not have formal business financial statements
  • You want a fast, simple process

Consider something else if…

Requirements

What lenders typically look for.

These are common guidelines across our lender network, not hard cutoffs. Your advisor will tell you where you stand.

Time in businessOften 6+ months of 1099 income
RevenueConsistent deposits
CreditTypically 580+ personal credit
Documents1099s or bank statements, ID

How it works

How 1099 & Gig Funding work with WellRounded

1Step 1

Apply

Share your 1099 work, income and what you need.

2Step 2

Verify income

Upload 1099s or bank statements.

3Step 3

Choose

Review and accept an offer.

4Step 4

Fund

Receive funds, often within days.

Costs

How 1099 & Gig Funding are priced.

Pricing reflects your income consistency and credit. Your advisor shows total cost and payment so you can decide whether it is worth it.

‡ Ranges shown are typical and illustrative, not an offer of credit. Final amounts, rates and terms are set by the lender.

See your 1099 & Gig Funding options in about two minutes.
See my options →

Calculator

Estimate your payment.

Estimated monthly payment$3,321
Monthly payment$3,321
Total of payments$119,572
Total interest and fees$19,572
Get real offers for $100,000 →

Estimates for illustration only, not an offer of credit. Your actual rate, term and fees are set by the lender and depend on your business.

Industries that often use 1099 & Gig Funding

TruckingProfessional ServicesCleaningLandscaping

FAQ

Common questions, clear answers.

Anything else, your advisor will answer on the phone.

All FAQs →
Can a sole proprietor get a business loan?

Yes. Many lenders fund sole proprietors and 1099 contractors based on income and deposits.

Do I need an LLC?

Not always. Some products work for sole proprietors using your SSN; others require an EIN or entity.

How much can a gig worker borrow?

Amounts are typically sized to a portion of your recent monthly income.

Is my personal credit checked?

Seeing options does not require a hard pull. Lenders typically review personal credit before final approval.

Related guides

StartupsStartup Business Loans: Funding Under One Year in Business

Compare related products

Equipment FinancingThe equipment itself secures the financing.$10K–$5M‡2–5 days
Working CapitalKeep payroll, inventory and operations moving.$10K–$1M‡24–72 hours

Ready to explore 1099 & Gig Funding? See your options today.

  • Decisions in as little as 24 hours*
  • $10K–$5M+ across 10 products
  • No hard credit pull to apply
  • One dedicated funding advisor