1099Pass
Your income, their confidence.
A data intelligence platform that translates gig worker and contractor income into clean, verified, lender-ready reports. Not a lender. Not a broker. A bridge between non-traditional earners and the financial system that was never built for them.
The Purpose
To dramatically increase the likelihood of loan approval for gig workers, freelancers, and 1099 contractors. The platform aggregates income from multiple sources, normalizes it into standardized reports, and gives lenders the confidence to say yes, with better terms and lower down payments.
Why It Exists
“Because the lending system was designed for people with a single employer and consistent paychecks. Millions of people now earn a living across multiple platforms and income streams, and the system doesn't know how to read their financial story. They get denied mortgages, charged higher rates, or told to come back when they have a 'real job.' This platform speaks both languages: it understands gig income and translates it into something lenders trust.”
What It Can Do
Automatic income aggregation from multiple platforms and bank accounts into one unified financial profile
An income normalization engine that analyzes 24 months of transaction history and calculates stability, diversity, and trend scores
Lender-ready reports in both PDF and structured data formats that loan officers can immediately use in underwriting
An income readiness score that tells borrowers exactly where they stand before they ever apply
A lender portal where mortgage professionals can access pre-verified borrower reports and discover qualified non-traditional borrowers
Quarterly income estimates and tax planning tools built on top of the same verified data
Multi-platform income sync that continuously updates as new earnings come in
Bank-level encryption with compliance across privacy and fair lending regulations
A deduction finder that identifies tax savings gig workers typically miss