Flexible Business Funding for Self-Employed & 1099 Workers
Get the working capital you need to grow your side hustle or independent business — even if you’re just starting out.
Why Self-Employed Professionals Choose Our Funding Solutions
✅ No LLC Required
Work under your own name or 1099 status. We understand that many successful entrepreneurs operate as sole proprietors and don’t need the complexity of forming an LLC to access capital.
✅ Startup-Friendly: Qualify Even with $0 Revenue
Just starting your journey? No problem. Our funding partners specialize in helping new businesses get off the ground, even if you haven’t generated revenue yet.
✅ Use Funds for Inventory, Marketing, Equipment & More
Whether you need to stock up on products, invest in advertising, upgrade your tools, or cover operating expenses — use your funding however your business needs it most.
✅ Fast Pre-Qualification — No Upfront Cost
Get a quick assessment of your funding options without any fees or obligations. Our streamlined process gets you answers fast, so you can focus on what matters most: growing your business.
✅ Speak with a Real Funding Advisor
Skip the automated systems. Connect with experienced funding specialists who understand the unique challenges of self-employed professionals and can help you find the best-fit option for your situation.
Lightning Read Summary
Even if you’re brand new, work solo, or haven’t formed an LLC, you may still qualify for business funding. This page helps self-employed and 1099 workers explore working capital options to grow and stabilize their businesses.
Perfect For:
- Freelancers and consultants
- E-commerce entrepreneurs
- Service-based business owners
- Creative professionals
- Anyone building a side business
- Contractors and tradespeople
Ready to Take the Next Step?
Don’t let cash flow challenges hold back your entrepreneurial dreams. Whether you’re scaling an existing business or launching something new, the right funding can be the catalyst that takes you to the next level.
✅ Ready to get started?
Footer Disclaimer: All funding is subject to approval and qualification. JOI connects businesses with funding partners like Torro. This is not a direct lending offer.
For Self-Employed Business Funding That Works
Many traditional funding sources don’t understand the unique needs of self-employed professionals. Banks often require extensive documentation, long operating histories, and corporate structures that don’t fit the freelance lifestyle.
Our network of funding partners specializes in self-employed business funding and 1099 business funding solutions designed specifically for independent professionals who need flexible access to working capital.
Funding for Freelancers Who Think Big
Whether you’re a graphic designer investing in new software, a consultant expanding your service offerings, or an e-commerce entrepreneur stocking inventory, funding for freelancers shouldn’t be complicated.
Get the startup capital for sole proprietors you need without jumping through corporate hoops or waiting months for approval.
Working Capital for Self-Employed Success
Working capital for self-employed professionals is about more than just covering expenses — it’s about seizing opportunities. When a big client project comes in, when you spot a market opportunity, or when you’re ready to scale up, having access to capital can make all the difference.
Our funding solutions are designed to grow with your business, providing the flexibility that self-employed professionals need to thrive in today’s economy.
