Giggle Finance Reviews: a Way to Get a Loan for Gig Workers

Giggle Finance Reviews: a Way to Get a Loan for Gig Workers
7 min read

If you're a freelancer or gig worker, you know that it can be tough to make ends meet. That's why so many members of the gig economy turn to financing platforms, such as Giggle Finance, for help. But is it right for you?

In this article, we'll review Giggle Finance and tell you everything you need to know before applying. We'll also give you tips on getting the most out of your loan from Giggle Finance. So, keep reading to learn more!

What is Giggle Finance?

Giggle Finance is a financial technology company that created an online financing platform to assist small business owners and gig economy workers earning 1099 revenue in obtaining funds of up to $5,000.

Giggle Finance co-founder Jared Kogan explains why the company was founded in his own words. "We started Giggle to provide 1099s and gig workers with access to funding after seeing the market's limited options", Kogan added. "We consider independent workers the future of labor, and we're here to serve as a one-stop shop for all their financial needs." With an application-to-funding process that takes less than 10 minutes, our speed and transparency enable the independent workforce to thrive even more”.

To qualify for a loan (technically, a cash advance "revenue-based financing scheme"), you must be self-employed with at least three months of work experience and monthly earnings of more than $3,000 per month.

How Does Giggle Work?

You can receive approximately $5,000 by selling a portion of your future sales back to Giggle. Payments are collected by automated debits until the initial balance (plus a nominal fee) is fully paid.

To qualify, your company must have been in operation for at least three months. Giggle Finance has no credit criteria, which makes them a fantastic option for those with a less-than-ideal credit score. Instead, they will assess your bank statements to evaluate your risk profile and determine the amount you can afford to borrow.

Here are some things you need to consider before sending a cash advance application:

What Kind of Business do you Run?

You must indicate the type of business or company you own or work for. You can type this information in or select from a list of popular gig economy employers, including Lyft, Uber, Doordash, Postmates, Grubhub, Instacart, Shipt, and Shopify.

You may also qualify for funding from Giggle if you identify yourself as one of the following:

  • TaskRabbit or worker
  • Fiverr or UpWork freelancer
  • Airbnb owner
  • Independent contractor
  • Small business owner
  • Startup company owner
  • Ecommerce business owner

When did you Start your Company?

You will also be asked to provide the month and year you started working for your company or the actual date you founded your business.

How Much Funding does your Business Need?

Finally, you need to let Giggle Finance know the specific amount you wish to borrow. Currently, there are four available options you can choose from:

  • $500 to $1,000
  • $1,000 to $2,000
  • $2,000 to $5,000
  • more than $5,000

Pros and Cons of Getting a Giggle Cash Advance



If you meet all the requirements and criteria, you can expect to receive the funding in a matter of minutes

Cash advances have a cap of $10,000

The application process is digital and fully automated

The terms of the cash advance are only available for a brief period

Renewal in case you’ll require additional funding is easy

Financing is not yet available in certain areas, particularly in California and New York

You can be sure your financial information is kept safe at all times

You don’t need to provide a bunch of documentation. Syncing your bank information is all that you need to do.

Why Should You Consider Applying for a Giggle Finance Cash Advance?

There is no Minimum Credit Score Requirement

Securing a Giggle Advance will not require you to do much else. You simply need to allow them to evaluate your bank statements to determine the amount you can borrow for your job or the business you have.

There’s no Need to Worry About Hidden Charges

Being upfront and transparent about what they do is one of Giggle Finance's core values. They strive to treat their clients and site visitors with the utmost respect and honesty they deserve.

With this in mind, Giggle's online application process and contracts are simple to read and understand. You can be confident that there are no hidden fees and that what you see is what you get every time!

You’re Assured the Personal Information you Provide is Kept Safe

When you entrust Giggle with your personal information or passwords, their system protects every detail with 256-bit encryption. This means they won't be able to keep or display them. It's the fastest, most secure, and simplest way to acquire the funding you need for your business. Giggle's platform is developed with your security in mind.

The Application Process Only Takes a Few Minutes to Complete

Giggle recognizes that you may have a busy schedule. That's why they made it a point to simplify the application process. You don't even have to apply in person, and the process takes less than 8 minutes to complete.

Say Goodbye to Missed Due Dates by Paying Your Balance Through a Flexible Payment Plan

You don't have to worry about missing due dates or being charged a late payment fee because your outstanding balance will be automatically deducted from your account.


With a quick and easy application process, Giggle Finance can help you receive the funding you need to establish and scale your business. What sets them apart from other financing institutions is that they don’t actually offer loans. Instead, they’re a platform that connects borrowers to available lenders. This could be a viable option if you’re a freelancer, a gig economy worker, or the owner of a startup business who needs funding in advance and wishes to take advantage of expanded borrowing possibilities.

One thing you need to keep in mind, though, is that business cash advances are likely to cost more than other financing choices. But if you need help building your business and cannot currently qualify for less expensive funding options because of limited time in business or a less-than-ideal credit score, Giggle Finance services are truly worth your consideration.

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Deepak Juneja 0
Founder of Tech Webers, Expert in Website Development and SEO. I helped many start-up companies to grow their traffic and sales.
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