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:

Business Line of Credit 1

What Our Customers Have to Say

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4.9 out of 5 based on 2,886 reviews 

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Empowering Independent Workers

Who Qualifies for a Merchant Cash Advance as a Freelancer or Independent Contractor?

App-Based & Gig Workers
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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

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4.9 out of 5 based on 2,886 reviews

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ARTICLES

From The Knowledge Center

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Secure Your Future Today

Take the first step towards financial growth and stability with Big Think Capital. Apply now and discover tailored funding solutions designed for your success.

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