AI Lending Platform AfinLoans Raises $10M to Serve Self-Employed and Gig Workers Without Credit Files

NewsData.io · United States · Sep 15, 2026

AfinClic Financial Technologies (AfinLoans) has raised $10 million and is deploying $4 million across 1,000 loans to self-employed and gig workers who lack traditional credit records, using AI to underwrite based on earnings and intended purchase. The company's founders argue that automation-driven layoffs and declining purchasing power will accelerate growth in self-employment, expanding the addressable market for non-traditional lending. For staffing agencies, the story signals growing financial infrastructure being built around the gig and independent-worker economy, as well as broader recognition that the self-employed workforce — estimated at 29.8 million by the U.S. Census Bureau — represents a significant and underserved segment. AfinLoans plans a $15 million seed round once its AI model completes training in early 2027.