Big Think Capital provides funding specifically designed for the modern workforce — freelancers, gig workers, and 1099 contractors who don't have traditional W-2 income but do have provable revenue from platforms, clients, and contracts.
Funding is available across a wide range of independent work categories: app-based and gig workers (rideshare drivers on Uber and Lyft; delivery drivers on DoorDash, Instacart, GoPuff, Uber Eats, Grubhub, and Postmates; grocery shoppers on Shipt and Spark; home health aides; caregivers on Care.com; childcare providers on UrbanSitter; pet care providers on Rover and Wag!; short-term rental hosts on Airbnb, VRBO, and Turo; task workers on TaskRabbit and Handy; virtual assistants; and online service providers on Fiverr and Upwork), creators and performers, eCommerce sellers, independent contractors, skilled trades and service providers, and wellness and lifestyle professionals.
Approvals are based on real evidence of income — 1099 forms, bank deposit history, and platform payout records — not multi-year tax returns or W-2 employment. Most applications fund within 24 to 48 hours.
The independent workforce in the United States is well over 60 million people and growing — and the traditional financial system was built for W-2 employees. That mismatch is why a lot of gig workers and 1099 contractors get declined by banks despite earning more than a salaried borrower the bank would happily approve. Big Think Capital's underwriting flips that: we read your platform payout history and bank deposits the same way a bank reads a pay stub.
Cost structures vary by product. Short-term, smaller advances ($5K–$25K, 3–12 months) typically price as a factor rate (1.15–1.40 total) and repay daily or weekly. Larger 1099-installment loans ($25K–$250K, 12–24 months) price as a traditional APR — often 18–35% depending on credit, platform history, and deposit consistency. Rates and terms vary by lender and borrower profile.
A common archetype: a rideshare driver with 18 months of consistent Uber and Lyft deposits totaling $4,500/month takes a $12,000 advance to replace the tires, brakes, and timing belt on the car they drive. Repayment is a small daily hold-back (e.g., 8%) from the same deposit feed that funded the loan. The car keeps earning. The advance pays back in 7–8 months. No W-2, no tax returns from a 9-to-5 employer, no awkward conversations with a loan officer. Apply with assistance or contact us to see your options.
