No hard credit pull to review your options. Same-day funding may be available.
Access $500 to $15,000 in funding without credit score hurdles. Simple revenue-based advances with weekly remittance that automatically flexes with your sales.
Check Your Qualification in 5 Minutes — No Credit Impact
No Minimum FICO Score
No Hard Credit Inquiry
Secure Plaid Connection
Under 8-Minute Decisions
| Program Feature | Specifications & Criteria | Practical Business Impact |
|---|---|---|
| Funding Range | $500 to $15,000 Initial (Renewals up to $20,000) | Right-sized capital scaled directly to your active monthly sales. |
| Speed & Decisioning | Under 8-Minute Decisions; Same-Day or Instant Transfer | Automated Plaid bank linking delivers immediate capital without paperwork. |
| Eligibility Baseline | 3+ Months in Business; $2,500+ Monthly Revenue | No minimum credit score required; personal bank accounts accepted for 1099s. |
| Remittance & Terms | 8 to 24-Week Term; Flexes with Revenue | Remittance adjusts or pauses automatically if business revenue decreases. |
| Geographic Reach | Available in 47 U.S. States | Broad national availability (excludes NY, OR, and CA). |
Gig workers and independent contractors often have work-related expenses that need attention before their next payment arrives. Funding may help cover certain business expenses and keep day-to-day operations moving.
For delivery drivers, rideshare drivers, and other independent contractors who rely on their vehicles, unexpected repairs, tire replacements, and routine maintenance can interrupt their work.
Independent contractors and skilled workers may need additional capital to purchase, replace, or maintain the tools and equipment they use to complete jobs.
Fuel, supplies, and other everyday operating costs can add up. Additional working capital may help eligible contractors manage these business expenses.
Independent contractors sometimes need to cover business expenses while waiting for client payments or their next scheduled payout. Funding may provide another option to manage short-term cash flow needs.
Funding eligibility and permitted uses are subject to program terms and approval.
Select your monthly revenue tier ($2,500+), average deposit frequency, and business state.
Link your business or personal bank account securely. Underwriting evaluates actual revenue flow rather than credit scores or tax returns.
Receive an underwriting decision in under 8 minutes. Inspect your exact funding amount ($500 to $15,000) and 8 to 24-week schedule.
Capital is transferred directly to your bank account. Weekly remittance adjusts naturally with your income, unlocking higher renewal limits up to $20,000.
If your capital needs exceed $15,000 or require longer repayment horizons, Funderial smoothly guides your enterprise into SBA loans, business lines of credit, or equipment financing.
Have questions about your offer? Speak directly with a knowledgeable funding specialist by calling 855-FUNDING (855-386-3464) before accepting terms.
Positive remittance history is reported to business credit bureaus, helping establish your corporate credit profile for future growth.
Finding the right funding option starts with understanding how it may fit your business needs. Watch our short video to learn more about funding options for gig workers and independent contractors.
A: A revenue-based advance allows a business to trade a portion of future receivables for upfront working capital. Remittance occurs automatically as a percentage of incoming revenue, adjusting naturally with your sales flow without fixed monthly debt bills.
A: Payment terms range from 8 to 24 weeks and are directly tied to your sales volume. If your business revenue decreases, weekly remittance automatically adjusts downward or pauses to align with your actual cash flow.
A: Qualifying requires a minimum of 3 months in operation, $2,500 or more in gross monthly revenue, at least 4 bank deposits in the last 30 days, and an active business or personal bank account linked via Plaid. No minimum credit score is required.
A: Yes, personal bank accounts are accepted for 1099 contractors, gig economy drivers, and sole proprietors, provided recurring business income deposits are verified through Plaid.
A: The Funderial Quick Apply Program is active in 47 U.S. states. The program is currently unavailable to businesses operating in New York, Oregon, and California.
Review your funding options in under 5 minutes without affecting your credit score. Speak with an advisor today at 855-FUNDING (855-386-3464).
Funderial is a business finance technology platform and partner. Quick Apply advances range from $500 to $15,000 for initial funding and are subject to automated bank verification via Plaid. Program available in all U.S. states except NY, OR, and CA.
