Capital for independent contractors — 1099 Capital Solutions
We connect 1099 professionals with lenders who understand self-employment income and do not require W-2 paystubs.
Checking options takes two minutes and does not affect your credit.
- Schedule C
- Bank statement lending
- 1099 income
- Net profit
- Gross receipts
- Stated income
- Debt service coverage
- Capital infusion
Alternative financing and business loans for independent contractors and freelancers
Financing options matched to your situation, in one place.
- WORKING Business line of credit Access cash on demand to cover gaps between invoice payments.
- EQUIPMENT Asset purchase loans Get the tech and tools you need to do your job better.
- GROWTH Short term capital One-time cash injection for scaling or seasonal demand.
- CASHFLOW Invoice factoring Get paid for outstanding invoices before your client settles.
- $5K–$250K Loan amounts available
- 24–48 hours Typical funding speed
- 1 soft pull Credit impact on lookup
How the money moves.
One soft check to match. One hard pull, and only from the lender you choose. That mechanism is why this is not a broker.
No W-2 required
- We look at bank statements instead of tax paystubs.
- Focus on gross revenue instead of salary.
Fast decisions
- Pre-qualification happens in under 48 hours.
- Automated underwriting streamlines the process.
Flexible terms
- Repayment matches your specific cash flow cycles.
- Fixed and variable rate options available.
Why the usual lenders say no.
Your revenue is real. The problem is the form. Here is why traditional underwriting turns away healthy operators in this space, and what we do differently.
Low credit score
Traditional banks often reject applications with scores below 700.
No W-2 salary
Most retail banks require standard paystubs to verify income.
New business age
Traditional lenders often mandate two years of full tax returns.
What a funded request actually looks like.
Composite illustrative scenarios, not specific borrowers. Each is built from the kinds of requests this niche routinely sees.
Freelance graphic designer
Upgrading high-performance workstation and software licenses
Independent consultant
Bridging payroll gaps during long-term client contracts
Gig economy driver
Emergency vehicle repair and maintenance for fleet uptime
Contractor developer
Hiring subcontractors for a large project rollout
Prepare for tax season
Managing quarterly estimated taxes is easier with a clear business plan. Access tools and templates designed specifically for 1099 taxpayers.