6 Loans Like Giggle Finance for Gig Worker MCAs in 2026

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
9.5 Excellent Fundera business loans	9.5 Excellent	$2,500 – $5,000,000	Varies by lender	Varies by lender	Go to site View details Compare product selection Compare	loading	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 & cons 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
9.5 Excellent Lendzi	9.5 Excellent	$5,000 – $20,000,000	6 months to 25 years	Varies by lender	Go to site View details Compare product selection Compare	loading	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 & cons 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
7.5 Great Rapid Finance small business loans	7.5 Great	$5,000 – $1,000,000	Varies by loan type	Not stated	Go to site View details Compare product selection Compare	loading	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 & cons 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
7.6 Great Credibly business financing	7.6 Great	$5,000 – $600,000	Not listed	Not listed (factor rates as low as 1.11)	View details Compare product selection Compare	loading	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 & cons 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
6.8 Standard Avant personal loans	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 Compare	loading	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 & cons 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
8.2 Great Upgrade personal loans	8.2 Great	$1,000 to $50,000	2 to 7 years	7.74% to 35.99% (includes origination fee)	Go to site View details Compare product selection Compare	loading	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 & cons 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.

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.

Written by

Lacey Stark

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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