1099 HELOC powered by Honest Casa
As fast as 3–5 day close* Check My Rate

The HELOC built for 1099 earners — no tax returns. No W-2s.

Your write-offs shouldn't cost you your equity. Qualify on bank statements — not your AGI. Check your rate in ~5 minutes without an SSN, and fund in as little as 3 days after approval.*

Qualify with bank statements or 1099s — no tax returns or W-2s
Write-offs don't count against you — qualify on real cash flow
No Social Security number required to check your rate
3–5 day closing*From approval to funded
No W-2s or tax returnsBank statements or 1099s
eNotary availableClose from home, fully online
No appraisal under $400KDigital property valuation
Your offer is 60 seconds away 0%

How much cash do you want access to?

Drag the slider — you can change this anytime. Check your rate as of .

$100,000

Available as a flexible line of credit

$15K$750K
Secure ~60 seconds No SSN needed

Let's estimate your available equity

Your best guess is fine — no documents needed yet.

ESTIMATED AVAILABLE EQUITY$150,000
Looking great — you appear to have meaningful equity available.

What's your credit score range?

Your best estimate is fine — it's confirmed later. Self-employed credit profiles are expected here, so don't sweat it.

What will you use the cash for?

This helps tailor your offer.

What's the property address?

Start typing and select your address — we verify it instantly so your offer is accurate.

We couldn't verify this address — check the spelling or select one of the suggestions
Unit number is required for condos & townhomes
Address is verified against official U.S. records

Where should we send your offer?

Please use your full legal name (as it appears on your government-issued ID) and an email and mobile number you control — these details are verified and used in the underwriting process. Inaccurate information can delay your offer.

Legal first name is required
Legal last name is required
Enter a valid date of birth (MM/DD/YYYY)
Enter a valid email address
Enter a valid 10-digit phone number
How your information is protected: encrypted in transit, used only to prepare your offer and verify your identity, and never sold to third parties.
Your information is encrypted and never sold

Congrats, Alex — you're a fit!

See your offers immediately by completing your secure application below ↓

Requested line$100,000
Estimated equity$150,000
PropertyLong Beach, CA
See My Offers Now →
5 min No docs required No SSN

Fit is based on the answers you provided and is not a loan approval. Offers are subject to verification, credit approval, and underwriting.

Self-employed cash in 3 simple steps

No branch visits. No two years of tax returns. The entire process is online — most applicants finish the application in about 5 minutes.

01

Check your rate

Answer a few quick questions and see what you may qualify for — fast, secure, and 100% online. No SSN required, and only a soft credit pull at this stage.

~5 minutes
02

Verify with bank statements

Create your account from the West Capital Lending email and verify income with bank statements or 1099s — not tax returns. Your real cash flow does the talking.

Same day
03

eSign and fund

eSign your documents with an online notary and get funds sent straight to your bank account in as little as 3 days after approval.*

As fast as 3 days*

Why 1099 earners choose 1099 HELOC

Your write-offs don't count against you

Banks qualify you on tax returns, so every deduction shrinks the income they see — and self-employed borrowers get denied for being good at taxes. Here you qualify on real cash flow, verified with bank statements or 1099s, not your AGI.

Keep your low mortgage rate

A cash-out refinance replaces your whole mortgage. A HELOC sits alongside it, so the 3% rate you locked in stays exactly where it is.

Speed without the runaround

Traditional HELOCs can take 30–45 days. Our fully digital process — automated valuation, online notary, instant verification, no in-person appraisal under $400K — compresses weeks into days.

Equity that stays on tap

This isn't a one-time payout. As you pay down your balance, you can draw again during your draw period — so the same line covers the slow season today and the big contract next year, without reapplying.

1099 HELOC vs. a traditional bank HELOC

Banks underwrite your tax returns — the same returns your accountant worked hard to minimize. We underwrite your actual cash flow.

1099 HELOCRECOMMENDEDTraditional bank HELOCCash-out refi
Tax returns or W-2s required Never 2 years of returns + W-2s Usually required
Qualify on real cash flow, not AGI Yes — bank statements or 1099s No — write-offs count against you Rarely
Typical time to funding As little as 3 days* 30–45 days 30–45 days
Maximum amount Up to $750K Varies Varies
Keeps your current mortgage rate Yes Yes No
No in-person appraisal Under $400K Usually required Usually required
100% online with eNotary Yes Rarely Rarely

Frequently asked questions

I write everything off on my taxes — can I still qualify?
Yes — that's exactly who this HELOC is built for. Banks qualify you on your tax returns, so every write-off shrinks the income they see, and self-employed borrowers get denied for being good at taxes. Here, income can be verified with bank statements or 1099s instead, so you qualify on your real cash flow — not your AGI. Approval is still subject to credit, equity, and underwriting requirements.
What documents do 1099 earners need to qualify?
No tax returns and no W-2s. Income can be verified with bank statements — typically through a secure, read-only connection to your bank — or with your 1099s. Checking your rate requires no documents at all, and no Social Security number.
Will checking my rate hurt my credit score?
No. Prequalification uses a soft credit inquiry, which has no impact on your credit score. A hard inquiry only occurs if you choose to proceed with the full application.
How fast can I actually get the money?
Checking your rate takes about five minutes. Once you select your offer, verify your details, and your loan closes, funds can be disbursed in as little as 3 days after approval. The whole process is 100% online, including eNotary closing. Timing varies by state, property type, and how quickly verification steps are completed.
Do I need an appraisal?
For loans under $400,000, no in-person appraisal is required — property valuation is completed digitally. Larger loans may require additional valuation steps.
Can I draw again after paying the balance down?
Yes. This is a revolving line of credit: as you pay down your balance during the draw period, you can draw again without reapplying, subject to the terms of your credit agreement. Lines range from $15,000 to $750,000 depending on your equity, credit profile, income, and state.
Who is the lender?
1099 HELOC is powered by Honest Casa (NMLS #1566096), an Equal Housing Lender headquartered in Irvine, CA. You can verify licensing at NMLS Consumer Access.

See your rate in minutes — no tax returns, no SSN.

Join self-employed homeowners turning equity into opportunity — without giving up their mortgage rate.

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