Get Funding Fast for Freelancers and Independent Contractors
Simple, fast funding designed for self-employed workers. No W-2s or traditional income proof required.
Enter your funding needs and get started:
What Our Clients Have to Say
Empowering Independent Workers
Who Qualifies for a Merchant Cash Advance as a Freelancer or Independent Contractor?
App-Based & Gig Workers
- Caregivers: Care.com
- Childcare providers (e.g. UrbanSitter)
- Delivery drivers: DoorDash, Instacart, GoPuff, Uber Eats, Grubhub, Postmates
- Gig couriers & on-demand drivers
- Grocery shoppers: Shipt, Spark
- Home health aides
- Online services: Fiverr, Upwork
- Pet care: Rover, Wag!
- Rideshare drivers: Uber, Lyft
- Short-term rentals: Airbnb, VRBO, Turo
- Task apps: TaskRabbit, Handy
- Virtual assistants
Creators & Performers
- Actors & voiceover artists
- Artists (painters, illustrators, sculptors)
- Content creators & influencers
- Dancers & choreographers
- DJs & music producers
- Editors (video, photo, audio)
- Fashion designers
- Graphic designers
- Musicians & bands
- Podcasters
- Social media managers
- Tattoo artists
- Writers, bloggers & poets
- YouTubers & streamers
eCommerce & Online Sellers
- Amazon
- BigCommerce
- Drop shippers
- eBay
- Etsy
- Facebook Marketplace
- Instagram Shop
- Poshmark
- SHOPLINE
- Shopify
- Squarespace
- Temu
- TikTok Shop
- Walmart Marketplace
- WooCommerce
Independent Contractors
- Consultants & coaches
- Event planners
- Handymen & general labor
- Massage therapists
- Mobile notaries
- Personal shoppers & stylists
- Photographers & videographers
- Translators & interpreters
- Truckers & Taxi Drivers
- Wedding officiants
Skilled Trades & Service Providers
- Appliance Repair Techs
- Carpenters
- Electricians
- Home Organizers
- HVAC Technicians
- Lawn Care & Pool Service
- Locksmiths
- Mechanics
- Mobile Car Wash & Detailing
- Pest Control Specialists
- Plumbers
- Roofers
- Welders
Wellness & Lifestyle
- Childcare providers (independent)
- Doula & birth coaches
- Eldercare companions
- Fitness trainers
- Home organizers & decluttering specialists
- Life coaches & therapists (independent)
- Makeup artists
- Massage therapists
- Meditation & mindfulness instructors
- Personal chefs & meal prep services
- Personal shoppers & stylists
Who Qualifies for a Merchant Cash Advance as a Freelancer or Independent Contractor?
App-Based & Gig Workers
- Caregivers: Care.com
- Childcare providers (e.g. UrbanSitter)
- Delivery drivers: DoorDash, Instacart, GoPuff, Uber Eats, Grubhub, Postmates
- Gig couriers & on-demand drivers
- Grocery shoppers: Shipt, Spark
- Home health aides
- Online services: Fiverr, Upwork
- Pet care: Rover, Wag!
- Rideshare drivers: Uber, Lyft
- Short-term rentals: Airbnb, VRBO, Turo
- Task apps: TaskRabbit, Handy
- Virtual assistants
Creators & Performers
- Actors & voiceover artists
- Artists (painters, illustrators, sculptors)
- Content creators & influencers
- Dancers & choreographers
- DJs & music producers
- Editors (video, photo, audio)
- Fashion designers
- Graphic designers
- Musicians & bands
Podcasters - Social media managers
- Tattoo artists
- Writers, bloggers & poets
- YouTubers & streamers
eCommerce & Online Sellers
- Amazon
- BigCommerce
- Drop shippers
- eBay
- Etsy
- Facebook Marketplace
- Instagram Shop
- Poshmark
- SHOPLINE
- Shopify
- Squarespace
- Temu
- TikTok Shop
- Walmart Marketplace
- WooCommerce
Independent Contractors
- Consultants & coaches
- Event planners
- Handymen & general labor
- Massage therapists
- Mobile notaries
- Personal shoppers & stylists
- Photographers & videographers
- Translators & interpreters
- Truckers & Taxi Drivers
- Wedding officiants
Skilled Trades & Service Providers
- Appliance Repair Techs
- Carpenters
- Electricians
- Home Organizers
- HVAC Technicians
- Lawn Care & Pool Service
- Locksmiths
- Mechanics
- Mobile Car Wash & Detailing
- Pest Control Specialists
- Plumbers
- Roofers
- Welders
Wellness & Lifstyle
- Childcare providers (independent)
- Doula & birth coaches
- Eldercare companions
- Fitness trainers
- Home organizers & decluttering specialists
- Life coaches & therapists (independent)
- Makeup artists
- Massage therapists
- Meditation & mindfulness instructors
- Personal chefs & meal prep services
- Personal shoppers & stylists
THE BTC ADVANTAGE
Why Choose Big Think Capital?
No Application Fee
Apply in minutes with no upfront costs. We make funding simple, fast, and accessible—no hidden fees, no surprises.
No Prepayment Penalties
Pay back early with zero penalties. Whether you repay over time or in full, you stay in control of your repayment schedule.
Funds Available on Demand
Once approved, funds can be sent to your account in hours—not days. Perfect for covering urgent needs, unexpected expenses, or short-term opportunities.
Flexible Funding That Works With You
Whether you're a freelancer, gig worker, or small business owner, our funding adjusts to your income and cash flow—so you get what you need, when you need it, without the hassle.
PRE-REQUISITES
Minimum Requirements for Gig Worker & 1099 Funding
- 3+ months in business
- $1,500 in monthly revenue
- Bank account with online access
- Generate 1099 or small business income
REVIEWS
What Our Customers Have to Say
4.9 out of 5 based on 2,886 reviews
Dreams Come True!!
I landed a call with Jesse Rosenberg and I could not be happier with my experience. He was very professional but put me at ease instantly and really listened to my wants and needs. He worked to find me the most the perfect plan, and we got to work to make my wishes a reality.
David Sessoms
David Bernstein - 5 stars!!
Within less than 32 hours our business was approved for a line of credit and I truly believe that was because of our agent David Bernstein. He was prompt, great at conveying information that is understandable and helpful and was an overall huge help to get us pointed in the right direction. When our business is ready to expand again, I will be contacting him for future help!! A 5-star experience, 5-star agent.
Caylie Cook
I had a great experience with trying to get a loan and a line of credit
I had a great experience with trying to get a line of credit. Sam Zorfas helped me out a lot, very professional. He made me feel very comfortable, always communicating with me. Couldn’t have gone any better. Would greatly recommend Big Think Capital. Thank you, Sam.
Ernest Martinez
ARTICLES
From The Knowledge Center
- December 2025
- BTC Team
- December 2025
- BTC Team
- December 2025
- BTC Team
