Giggle Finance: Reviews, Requirements & Alternative | 2022


Giggle Finance will fund your business even if you use a personal checking account. Their sign-up page is wholly automated, and everything is instant.

To get a loan, you’ll simply have to fill out a few questions, review the terms, and if you qualify, then you simply connect your bank to the platform. And you can get funded in as little as 10 minutes.

But is Giggle Finance safe? Well, see full details, requirements, reviews, and alternatives to Giggle Finance.

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What is Giggle Finance?

Giggle Finance is a Fintech company that provides instant funding for up to $5,000 for freelancers, small businesses, independent contractors, 1099 workers, and sellers. Its headquarters is in Miami, Florida.

In Giggle’s own words, the company’s vision is bent on “unlocking access to capital to 60M+Gig Workers – Giggle provides fast and transparent financing to the Gig Economy.”

According to Giggle Finance co-founder Jared Kogan, the aim of Giggle is to serve 1099s and gig workers by providing access to financing. He believes independent workers are the future of work.

Giggle also serves as a one-stop shop for all their financial needs. The company boasts its application to the funding process can be completed in under 10 minutes.

They also take pride in their speed and transparency to help the independent workforce continue to flourish.

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What are Giggle Finance Requirements?

You must have a business checking account and be self-employed with a work history of at least 3 months and earnings of more than $3,000 per month in order to qualify for a Giggle loan.

So you have to belong to the following categories of people:

App-Based Freelancers

  • Uber, Lyft, Ride-share
  • Handy, TaskRabbit,
  • Fiverr, UpWork
  • Airbnb

Independent Contractors

  • Event Planners
  • Home Health Aides
  • Consultants & Freelancers
  • Tutors & Trainers

Small Business Owners

  • Truckers & Taxi
  • Salons & Beauty
  • Lawn & Pool Care
  • Bodega & Food Trucks

Sellers & Franchises

  • Amazon & Etsy
  • Avon, Amway, Herbalife
  • Mary Kay, Monat

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How Does Giggle Finance Work?

You can apply and receive your Giggle cash. Giggle says you do not need any fees to apply, and this will not affect your credit score.

So all you need to borrow money from Giggle Finance is to fill out an online application on the Giggle Finance Page.

Once you apply and get approved, your account will be funded. Giggle will walk you through the following 5 steps:

Step 1: How Much Cash Does Your Business Need?

This is the first stage, where you tell Giggle how much money your business needs. In fact, the platform offers you the following four options:

  1. $500 to $1,000
  2. $1,000 to $2,000
  3. $2,000 to $5,000
  4. more than $5,000

Step 2: What Type of Business Do You Operate?

In step 2, you’ll answer questions about the type of business you do. So you’ll have to provide the type of business you run or the company you earn money from.

You can go ahead and choose from any of the popular gig and freelance employers like Uber, Lyft, Ride-share, Handy, TaskRabbit,, Fiverr, UpWork, and Airbnb.

Step 3: When Did You Start Your Business?

In step three, select the month and year you started your business. Then proceed to the next step.

Giggle Finance will now ask you to link your primary business bank account. It says linking your bank account will not affect your credit score.

The requirements to link your bank account to Giggle are as follows:

  • Your bank account must be at least 3 months old
  • Your bank account must be your primary business bank account
  • You must verify that you earn more than $3,000 per month

If Giggle Finance confirms you meet the above criteria, then you will be redirected to Plaid, a technology platform.

Here you will need to confirm the name of your bank and then provide your login credentials.

With that, Giggle Finance will have the data they need to determine if you qualify for a cash advance.

Step 5:

After you link your bank account, Giggle Finance will have the information they need to analyze your income and expenses.

If Giggle approves your application for a cash advance, you’ll receive a near-instant message indicating the maximum amount you qualify for and options to receive your funds directly in your bank account or on a debit card.

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Should You Get a Loan from Giggle Finance?

Yes, you can get a loan from Giggle Finance if the loan increases your net worth or has future value; it’s good debt. But if it doesn’t do that and you don’t have the cash to pay for it, it’s bad debt.

Another thing to consider is affordability. If a financial solution like Giggle Finance loan offers favorable interest rates and little or no fees, they are typically considered good debts.

Giggle Finance customers consider the interest rate to be fair. It promises no credit required and no hidden fees. Let’s look at some of the Reviews from

Giggle Finance Reviews Summary

Giggle Finance got a 4.4-star rating out of 5 in 254 customer reviews on In fact, 81% of the reviewers gave them a 5star rating. Most of the things customers love about Giggle Finance are:

  • Quick and easy
  • Outstanding service
  • Organized
  • Good communication

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What are Giggle Finance Alternatives?

Giggle’s top alternatives and competitors include Biz2credit, SBG Funding, Rapid Finance, Noble Funding, and Fora Financial.

What are Giggle Finance Alternatives?

Giggle’s top alternatives and competitors include Biz2credit, SBG Funding, Rapid Finance, Noble Funding, and Fora Financial.

1. Biz2credit

How does Biz2credit work?

Biz2Credit can approve a working capital loan application in 24 hours and fund the loan within 72 hours as long a borrower submits proper documentation.

Biz2Credit lends commercial real estate loans, and you can borrow between $250,000 and $6 million.

It is mandatory to use money from this type of loan for real estate purchases. Biz2Credit offers working capital, term, and real estate loans.

Is Biz2credit a legit company?

Biz2Credit has a good reputation in the industry, making an A+ rating with the Better Business Bureau.

It also has more than 1,600 positive reviews on Trustpilot. The credit requirement is 1.0.

What bank does Biz2credit use?

TD bank.

Biz2Credit has a partnership with TD bank, one of the 10 largest banks in the U.S., with deep sources in the community.

Biz2credit Review Summary

4.6 Stars (14,440)

Rating: 4.5 out of 5.
  • “Excellent turnaround time”
  • “Best easy and simple on helping a small business”
  • “This process was very easy and convenient”
  • “Great customer service. Fast and easy to work with. I highly recommend”

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2. SBG Funding

SBG Funding Reviews Summary

5 stars (1,374)

Rating: 5 out of 5.

The SBG Funding has over 1000 positive reviews on Trustpilot. In fact, 98% of the 1,374 reviews gave the company a 5-star rating out of 5.

Some of the key points customers are happy about include:

  • Decent interest rate
  • Helpful and patient staff
  • Very easy process
  • Exceptional service

SBG Funding Services

  • Small Business Term Loans
  • Business Line of Credit
  • Equipment Financing
  • Bridge Capital

SBG Funding Requirements

  • 3 most recent business bank statement
  • 10k + in monthly revenue
  • 6+ months in business
  • 500+ FICO score

3. Rapid Finance

Rapid Finance Reviews Summary

4.9 stars (1,824)

Rating: 4.5 out of 5.

The company, Rapid Finance is a Fintech establishment located in Bethesda, Maryland. It currently has a 4.9-star rating in 1,824 reviews on Trustpilot.

In fact, 96% of the customers gave the company a 5star rating out of 5. Some of the experiences Rapid Finance customers are happy about include:

  • Professional, reliable, trustworthy, and fast
  • Quick and Flexible
  • Knowledgeable staff
  • Educative and informative staff

Rapid Finance Requirements

  • Identification documents
  • Bank statements
  • Balance sheets
  • Personal and business tax returns, and a business plan
  • A minimum score of approximately 640

Rapid Finance Line of Credit

The company, Rapid Finance offers business lines of credit that allow you to access working capital on a need-be basis.

This is a great funding option for businesses that have repeat cash flow needs, and are looking for lines of credit between $5,000 and $50,000.

You can get capital for debt consolidation, marketing goals, property investments, renovations or to help spur growth.

4. Noble Funding

Noble Finance is an alternative lender for working capital business loans, lines of credit, and alternative financing to help small businesses grow.

This lender has provided more than $500 million in small business loans, it has an A+ rating from the Better Business Bureau (BBB).

Their corporate office is at 1947 Boerne, Texas 79006 United States with phone number +118009163196.

Noble Funding Reviews Summary

4.9 Stars (177)

Rating: 4.5 out of 5.

Nobble Financing currently has a 4.9-star rating out of 5 stars on a Trustpilot 177 customers reviews. 98% of these customers gave the company a 5-star rating while only 2% gave it a 4-star rating.

Since the number of customers who reviewed this company on Trustpilot was quite small in comparison to other reviews we’ve seen so far, we decided to go over Noble Financing customer reviews on It has an 8.5/10-star rating.

Some of the interesting things customers have to say about Noble Financing include:

  • Professional and easy to work with
  • Prompt and thorough communication
  • Quick and efficient
  • Excellent service

Noble Funding Business Solutions Pricing Rates and Terms

The Noble Funding solutions include:

  • Short-term bridge loans
  • Long-term business loans
  • Asset-based loans

Noble Financing also has a rate starting at 8.99% and doesn’t charge upfront fees but only receives compensation if the borrower’s loan is funded. They also offer 3, 4, or 5-term loans with no collateral required.

5. Fora Financial

Fora Financial provides working capital solutions from $5000 to $750,000 to small businesses in need of financing to sustain or grow their businesses in as little as 72 hours.

The company is located at 1385 Broadway 15th Floor, New York, NY 10018, United States.

Best Fora Financial Reviews

Fora Financial Review Summary

4.4 Stars (646)

Rating: 4 out of 5.
  • The process was easy
  • Very satisfying!”
  • Experience was great
  • loan approval was quick and was handled effortlessly 

What is Fora Financial Interest Rates?

Fora Financing offers loans of $5,000-$750,000 for 4 – 15 months repayment terms at a 1.10-1.35 factor rate.

To calculate the full cost of a Fora Financial term loan, multiply the factor rate by the amount borrowed.

For example, the total to repay on a $20,000 loan at a factor rate of 1.1 for a 12-month term is $22,000 ($20,000 x 1.1 = $22,000).

What are Fora Financial Requirements?

  • Be in business for at least six months.
  • Have at least $12,000 in gross sales per month.
  • No open bankruptcies or dismissed bankruptcies within the past year.
  • Must operate outside these industries: accounting, adult entertainment, auto sales, financial institutions, gambling/casinos, lawyers, nonprofits, and real estate sales.

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Frequently Asked Questions About Giggle Finance

Is Giggle Finance safe?

Giggle Finance is legit. They’re using big corporations where you have to transfer money between people for fund distribution.

They can help you get an instant cash advance for your business.

Does giggle finance check credit?

Giggle Finance does require a high credit score or history to qualify for a Giggle advance or a 500-dollar loan.

However, they’ll need to review your bank statements to determine how much you’ll be able to borrow for your gig.

Giggle Finance: Reviews, Requirements & Alternative | 2022


It is obvious Giggle Finance is an upcoming Fintech that has the potential to impact small business owners.

Competition is high as many Fintech products are on the rise. But one thing that sets Giggle apart is its defined set of markets.

We’re talking about freelancers, small businesses, independent contractors, 1099 workers, and sellers.



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