Build somethingof your own.
Banks won't lend to 1099 workers. Algorithms reject hustlers before a human ever sees the file. We partnered with WeLendIt — a platform that connects gig workers with funding options the system wasn't built for.
The problem
Banks weren't built for hustlers.
The mortgage you can't get. The auto loan that needs two years of W-2s. The small business loan that asks for collateral you don't have. Every one of these systems was designed around a worker that doesn't exist anymore.
36%
of US workers have 1099 income — and most can't get a traditional bank loan against it.
2yr
of tax returns most banks demand from self-employed applicants, even with strong cash flow.
200%+
APR on the predatory products that fill the gap when banks say no. We're not those.
Why we partnered
Our community kept asking the same question.
The same message kept coming back from our community: “I want to start my own business — but no one will lend me the money.”
The story is always the same. Steady gig income, denied. Strong bank deposits, denied. Years of 1099s, denied. The forms don't have a box for hustlers.
We partnered with WeLendIt because they're built to fix exactly that.
The Build rung
WeLendIt
A platform built specifically to connect 1099 earners, gig workers, and freelancers with funding options to build something of their own.
NoGigiddy partnered with WeLendIt to bring the Build rung to our community.
Lending marketplace · Built for 1099 workers · No W-2 required
What's different
Underwriting that actually looks at hustlers.
01
No income proof required.
No W-2s. No tax returns. No bank statements proving income. Your credit history is all they look at — not a pile of paperwork that rules out every gig worker.
02
680+ credit is all you need.
If your FICO score is 680 or above, you may qualify. Soft pull only to check eligibility — so checking your options won't ding your score.
03
Built for the gig economy.
Traditional banks weren't designed for how hustlers actually earn. WeLendIt's marketplace was — straight process, no predatory tricks.
Who it's for
Capital that builds something.
Not bridge debt. Not a way to cover this week's rent. You'll also need a 680+ FICO score to qualify. If that's not where you are yet, start with Survive — early-pay apps and cash advances that don't trap you.
Built for
- ✓Delivery driver buying a second vehicle to scale earnings
- ✓Stylist opening their own chair or salon suite
- ✓Freelancer financing equipment to land bigger contracts
- ✓Cleaner or handyman starting their own service business
- ✓Creator buying gear that pays itself back in 6 months
Not built for
- ×Covering this month's rent — use the Survive rung instead
- ×Paying off other high-interest debt — stacking debt on debt isn't the move
- ×Cash advance / payday-style needs — different rung, different tools
- ×Gambling, crypto speculation, or anything that can't generate a real return
Credit score below 680?
We've got you covered.
Not at 680 yet — that's not the end of the road. We partnered with ASAP Credit Repair to help gig workers and 1099 earners build the credit they need to eventually access real funding. 65,000+ people have used their roadmap to jump 87–142 points — in record time.
65,000+
People helped
87–142
Points gained on avg
4.8/5
Google rating
“I realized I had bad credit when I was in the process of purchasing a truck. ASAP Credit Service was the one that helped me get my truck. Everything was really simple — they simplified it for a person like me.”
Arturo Amaya
“They were willing to help and work with me on payments as well as getting me to where I needed to be. My credit allowed me to get the vehicles I wanted and the apartment I needed.”
Crystal Moore
No credit check required · Results in 60 seconds · Free to start
How it works
Three steps. No suit required.
01
Apply in 5 minutes.
Soft pull only — checking eligibility doesn't ding your credit. Connect your bank or upload deposits to verify income.
02
Talk to a real person.
A business advisor reviews your situation — not a call center reading from a script. Real guidance on what you qualify for.
03
Funded in days.
If approved, money lands in your account in days, not the weeks a traditional bank takes. Use it to build.
vs. the alternative
Traditional bank vs. WeLendIt marketplace.
What you should know
Full transparency on how this works.
- →WeLendIt is an independent lending marketplace — not a direct lender. NoGigiddy has partnered with them to bring the Build rung to our community.
- →WeLendIt connects you with real funding options. Not everyone qualifies, and approval isn't guaranteed.
- →All offers are subject to standard responsible-lending requirements, applicable state laws, and APR disclosures shown at application.
- →Borrowing money is serious. We only recommend it for the Build rung — capital that creates more income than it costs.
Ready to climb?
Build something
of your own.
See what WeLendIt can offer you. Soft pull only. Five minutes.