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1099 earners are individuals who work as independent contractors or freelancers and are not classified as employees. These workers do not receive a W-2 form at the end of the year but instead receive a 1099 form, which reports their earnings to the IRS. Obtaining a loan can be challenging for these individuals, as they may need a consistent income or the necessary documentation to prove their income. In this article, we’ll look closer at loans for 1099 earners and what options are available. 
Over the last few years, working under the table has had several tags and titles. Some have referred to it as unreported income, while others have called it off the bookwork. People often classify it as illegal work usually done in the underground economy.