Capital for your driving business — Drivers Cash Financing
We connect gig workers and independent contractors with lenders offering commercial car loans and vehicle leasing tailored to 1099 income.
Checking rates is a soft inquiry and does not affect your credit score.
- 1099 income verification
- commercial auto usage
- soft credit inquiry
- accelerated depreciation
- fleet equipment lease
- non-recourse financing
- commercial insurance rider
- vehicle title lien
Commercial vehicle and gig-worker automotive financing
Financing options matched to your situation, in one place.
- Rideshare Uber and Lyft vehicles Access commercial car loans for gig workers designed for full-time operators.
- Delivery Last-mile delivery vans Finance a car for DoorDash or Amazon Flex with specific commercial use terms.
- Fleet Small fleet expansion Scale your operation with multiple vehicle financing and equipment leasing.
- Refinance Existing loan restructuring Lower interest rates on your current commercial vehicle loan in 2026.
- $15K–$120K Available capital
- 24–48 hours Average time to funding
- 1 soft pull Inquiry impact
How the money moves.
One soft check to match. One hard pull, and only from the lender you choose. That mechanism is why this is not a broker.
Gig-friendly underwriting
- We prioritize 1099 income stability over traditional pay stubs.
- Accepting applicants with previous credit challenges.
Commercial focus
- Financing includes provisions for high-mileage commercial usage.
- Options available for specific delivery or rideshare vehicle types.
Fast turnarounds
- Digital application process reduces documentation backlog.
- Direct connection to lenders who move as fast as your business.
Why the usual lenders say no.
Your revenue is real. The problem is the form. Here is why traditional underwriting turns away healthy operators in this space, and what we do differently.
Personal loan restrictions
Standard banks often prohibit using a personal car loan for rideshare or delivery work.
1099 income volatility
Traditional lenders struggle to calculate monthly repayment capacity for gig income.
High-mileage usage
Traditional auto loans often have mileage caps that restrict your operational range.
What a funded request actually looks like.
Composite illustrative scenarios, not specific borrowers. Each is built from the kinds of requests this niche routinely sees.
Full-time delivery contractor
Purchase of a pre-owned cargo van for local courier routes.
Rideshare fleet owner
Expanding fleet with three electric vehicles for rideshare operations.
Gig economy driver
Refinancing a high-interest car loan used for Uber driving.
Independent contractor
Financing a late-model hybrid for food delivery and airport runs.
Beyond the vehicle
Protect your assets with commercial insurance guidance that meets the requirements of both platforms and lenders.