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February 21, 2026 · Kevin Minn

1099Pass: Helping Gig Workers Prove Their Income to Lenders

Millions of gig workers earn a real living but can't prove it when applying for a mortgage. 1099Pass bridges that gap with verified income reports.

1099Pass: Helping Gig Workers Prove Their Income to Lenders

You drive for a rideshare platform. You freelance as a designer. You deliver groceries on weekends and do consulting during the week. Across three or four income streams, you earn a solid living.

Then you try to buy a house. And the lending system says: we do not understand your income.

1099Pass exists to fix that.

The Income Verification Problem

The mortgage and lending industry was built for a world where people had one employer and a consistent paycheck. W-2 income is simple: one document, one number, one employer who verifies it.

But the workforce has changed. Tens of millions of Americans now earn income as independent contractors, gig workers, and freelancers. Their income is real. Their work is real. But it comes from multiple platforms, fluctuates month to month, and does not fit neatly into the boxes that loan applications require.

The result: gig workers get denied mortgages, charged higher interest rates, or told to come back when they have a "real job."

What 1099Pass Does

1099Pass is a data intelligence platform that translates non-traditional income into something lenders trust:

  • Automatic income aggregation from multiple platforms and bank accounts into one unified profile
  • An income normalization engine that analyzes up to 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 you exactly where you stand before you ever apply
  • A lender portal where mortgage professionals can access pre-verified borrower reports
  • Quarterly income estimates and tax planning tools built on verified data
  • A deduction finder that identifies tax savings gig workers typically miss

Not a Lender. A Bridge.

1099Pass is not a lender. We are not a broker. We do not approve or deny loans. We are a bridge between the way people actually earn money and the way the financial system needs to see it.

We speak both languages: we understand gig income, and we translate it into reports that give lenders the confidence to say yes — with better terms and lower down payments.

Financial Data, Protected

Income data is sensitive. We treat it that way:

  • Bank-level encryption for all data in transit and at rest
  • Bank account connections handled through encrypted third-party aggregators — we never store your login credentials
  • Reports shared with lenders only when you say so
  • You can revoke access to any connected account at any time
  • Compliance with applicable privacy and fair lending regulations

Learn more about 1099Pass or explore all SLTR Digital products.