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6 Loans Like Giggle Finance for Gig Worker MCAs in 2026

Check out alternatives to Giggle finance, some with lower rates and fees.

Lacey Stark's headshot

By

Lacey Stark

Edited by

Megan B. Shepherd

Updated

Fact checked

Fundera business loans

Fundera business loans

Get connected with short-term funding, SBA loans, lines of credit and more.

Apply now
on Fundera's secure site
More details
Features
  • No hard credit check to use
  • Bad credit loan options available
  • Good customer reviews online

Giggle Finance offers merchant cash advances (MCAs) geared toward gig workers, self-employed individuals and other small businesses. It also advertises fast approval and funding possible within minutes. But its MCAs only go up to $20,000 for first-time borrowers, which is on the small side compared to other MCA providers. Plus, it doesn’t disclose rates, charges origination fees and has some very poor customer reviews.

So, if you’re looking to borrow more money, avoid some of those fees and work with a more highly rated lender, check out our picks for loans like Giggle Finance. We’ve included options for other MCA providers as well as personal loans for business — which may be easier to qualify for if you have a newer business.

Our 6 top picks for loans like Giggle Finance

  • Best for online business loans: Fundera
  • Alternative for comparing lenders: Lendzi
  • Alternative for no origination fee: Rapid Finance
  • Alternative for lower rates: Credibly
  • Alternative for a self-employed personal loan: Avant
  • Alternative for joint applicant personal loan: Upgrade
Finder Score Loan amount Loan term APR

Best for online business loans

Fundera logo
Finder score
9.5 Excellent
Fundera business loans
Finder score
9.5 Excellent
$2,500 – $5,000,000
3 months to 25 years
Varies by lender
Go to site View details
Compare product selection

Why we like it

Fundera by NerdWallet is a business loan marketplace that connects small business owners with multiple lenders through a single application. The platform offers access to term loans, SBA loans, lines of credit, equipment financing and more, with loan amounts ranging from $2,500 to $5 million. With a quick online application using only a soft credit check, Fundera has helped over 77,000 small businesses secure more than $5.4 billion in funding. The platform provides dedicated loan specialists for personalized guidance, and funding can be as fast as one business day.

Pros

  • Free service
  • Single application connects you with multiple lenders
  • Soft credit check won't impact credit score
  • Fast funding possible within 24 hours

Cons

  • Rates and fees aren't disclosed upfront
  • Not a direct lender, terms set by partners
  • Limited network compared to larger marketplaces

Alternative for comparing lenders

Lendzi logo
Finder score
9.5 Excellent
Lendzi
Finder score
9.5 Excellent
$5,000 – $20,000,000
6 months to 25 years
Varies by lender
Go to site View details
Compare product selection

Why we like it

Using a business loans marketplace like Lendzi gives you the opportunity to compare multiple MCA providers with one application. This gives you a much wider range of options than you can get with Giggle Finance, with amounts ranging from $5,000 to $500,000.

You'll likely find more competitive rates than Giggle, too. Lendzi also has highly rated loan specialists ready to walk you through the process or help you decide if another type of financing makes more sense for your business. But you'll have to apply to check rates and fees, and marketplaces can often lead to a lot of follow-up marketing.

Pros

  • Compare multiple MCA providers at once
  • Higher advance amounts than Giggle
  • Potentially lower rates

Cons

  • Must apply to check rates
  • Still an expensive form of financing
  • May result in excessive solicitation

Alternative for no origination fee

Businessloans.com logo
Finder score
7.5 Great
Rapid Finance small business loans
Finder score
7.5 Great
$5,000 – $1,000,000
Varies by loan type
Not stated
Go to site View details
Compare product selection

Why we like it

Unlike Giggle Finance, Rapid Finance doesn't charge origination fees for its MCAs, and it offers much larger advances up to $500,000. It also has higher ratings than Giggle Finance on review sites such as the Better Business Bureau (BBB) and Trustpilot. But its rates aren't disclosed, you may be required to make daily repayments and it only accepts businesses with sufficient credit or debit card sales or other receivables.

Pros

  • No origination fees on MCAs
  • Advances up to $500,000
  • Highly rated lender

Cons

  • Rates aren't disclosed
  • May require daily repayments
  • Not suitable for all businesses

Alternative for lower rates

Credibly logo
Finder score
7.6 Great
Credibly business financing
Finder score
7.6 Great
$5,000 – $600,000
3 months to 10 years
Factor rates start at 1.11
View details
Compare product selection

Why we like it

Factor rates for Credibly MCAs start on the low end at As low as 1.11, which is more competitive than Giggle Finance. It also offers a fast approval process, with funding possible as soon as the same day, and a low credit score requirement of 500. And its advance amounts are much higher than Giggle — up to $600,000. But you'll need to bring in at least $15,000 a month, and it might require daily repayments.

Pros

  • Low starting rates
  • Advances up to $600,000
  • Accepts poor credit

Cons

  • Need good credit for the best rates
  • Requires $15,000 in monthly revenue
  • May require daily repayments
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Finder Score Loan amount Loan term APR

Alternative for a self-employed personal loan

Bankrate logo
Finder score
6.8 Standard
Avant personal loans
Finder score
6.8 Standard
$2,000 to $35,000
24 to 60 months
9.95% to 35.99%
Go to site View details
Compare product selection

Why we like it

Since MCAs are generally expensive — and not suitable for all businesses — small businesses or gig workers may want to consider a personal loan from Avant to fund their business. Unlike some lenders, Avant welcomes self-employed workers and offers better rates than Giggle Finance, starting at 9.95% APR. It also offers loan amounts up to $35,000 and loan terms as long as 60 months. But it charges origination fees, and if your credit is poor, you could pay as much as a 35.99% APR. It's also not available in all states.

Pros

  • Cheaper than an MCA like Giggle
  • Accepts self-employment income
  • APRs start at 9.95%

Cons

  • Charges origination fees
  • Rates as high as 35.99%
  • Not available in all states

Alternative for joint applicant personal loan

Bankrate logo
Finder score
8.2 Great
Upgrade personal loans
Finder score
8.2 Great
$1,000 to $50,000
2 to 7 years
7.74% to 35.99%
Go to site View details
Compare product selection

Why we like it

Upgrade offers personal loans for businesses and accepts joint applicants, which can make it easier to qualify for a bigger loan at a more competitive rate. It also offers larger loan amounts than Giggle Finance — up to $50,000 — and loan terms as long as 84 months if you want to keep your monthly payments low. But, like Giggle, it charges an origination fee. Plus, rates can go as high as 35.99%, and self-employed borrowers must show two years of tax returns to prove income.

Pros

  • Accepts joint applicants
  • Rates start at 7.74%
  • Loans up to $50,000

Cons

  • Charges origination fees
  • Rates up to 35.99%
  • Requires two years of tax returns
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How does Giggle Finance compare?

Giggle Finance is one of the few providers to offer advances for gig workers, self-employed individuals and other small businesses. The requirements to qualify are less strict than most business lenders, and it offers discounts for early repayments. But it doesn’t have many positive reviews, it isn’t transparent about rates and it charges origination fees.

For these reasons, you may want to consider alternative MCA providers, other types of business loans or even personal loans, which may be easier to qualify for and can also be used to fund your business.

Pros

  • Fast approval and funding
  • Early repayment discounts
  • Lenient requirements to qualify

Cons

  • Doesn’t disclose rates
  • Charges origination fees
  • Low maximum advance amount
Megan B. Shepherd's headshot
To make sure you get accurate and helpful information, this guide has been edited by Megan B. Shepherd as part of our fact-checking process.
Lacey Stark's headshot
Written by

Writer

Lacey Stark is a freelance personal finance writer for Finder, specializing in banking, loans, investing, estate planning, and more. She has 20 years of experience writing and editing for magazines, newspapers, and online publications. A word nerd from childhood, Lacey officially got her start reporting on live sporting events and moved on to cover topics such as construction, technology, and travel before finding her niche in personal finance. Originally from New England, she received her bachelor’s degree from the University of Denver and completed a postgraduate journalism program at Metropolitan State University also in Denver. She currently lives in Chicagoland with her dog Chunk and likes to read and play golf. See full bio

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