Side-by-side
| Feature | Cashera Capital | Giggle Finance |
|---|---|---|
| Product type | Merchant cash advance | Merchant cash advance |
| Max funding | Up to $5,000 | Up to $5,000 |
| Time to decision | Minutes | Minutes to hours |
| Time to funding | Within 24 hours | Within 24 to 72 hours |
| Application steps | 3 steps: Plaid, ID, e-sign | Multi-step with extra verification |
| Built for gig workers | ||
| US-based phone support | ||
| Credit check | Soft pull, earnings-first | Soft pull, earnings-first |
Why drivers choose Cashera
Three-step Plaid-secured application, decisions in minutes, US phone support, and a process tuned for rideshare and delivery earnings rather than traditional credit.
Where Giggle fits
Established brand with a long track record. Process can include extra verification steps, and funding speeds vary by application.
Frequently asked questions
Are Cashera and Giggle Finance loans?
No. Both are merchant cash advances. You receive a lump sum upfront and repay a fixed amount through a small percentage of future earnings. There is no traditional interest rate.
Which is faster to fund?
Cashera typically delivers approved funds within 24 hours after e-sign. Giggle Finance funding speed can vary by application and verification path.
Do either require good credit?
Both perform a soft credit check, but approval is primarily earnings-based. Steady deposits matter more than a perfect score.
Can I qualify if I drive for multiple platforms?
Yes. Both providers fund multi-platform gig workers. Cashera is built specifically around Uber, Lyft, DoorDash, Instacart, Amazon Flex, Grubhub, Shipt, and Spark earnings.
What is the maximum I can receive?
Cashera funds up to $5,000 per advance. Giggle Finance offers comparable maximums, with the exact amount tied to your earnings history.
See if you qualify in minutes
Cashera Capital offers up to $5,000 in earnings-based funding for gig workers, 1099 contractors, and self-employed earners. Decisions in minutes, funded within 24 hours.