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Frequently Asked Questions
Do I need to provide tax returns? No. This is a "tax return-free" loan. We use your 1099s to verify your income, which means your legal tax deductions won’t count against your buying power.
What if I have multiple 1099s from different companies? That’s perfectly fine! We will aggregate all of your 1099 income from the past 1–2 years to create a total qualifying monthly average.
How long do I need to have been a 1099 worker? Generally, we look for a 2-year history in the same line of work. However, if you recently transitioned from a W2 role to a 1099 role in the same industry, we can often find an exception for you.
Is there an expense ratio applied? Yes, we typically apply a standard expense ratio (often around 10–20%) to your gross 1099 income to account for business costs. This is still significantly more favorable than the net income used on tax returns.
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