say goodbye to lumpy income

Let us worry about it so you don't have to.

say goodbye to lumpy income

Let ControlHQ top up your account during the slow months
Only pay us back when you make over your monthly income.
Instantly access up to $2,000 USD
Join Our Waitlist
Tablet displaying the Control apps dashboard, it also has a bar graph displaying monthly income for the user

Automatically give your income a monthy top-up with income smoothing

Get off the freelance income roller coaster with our automatic income top ups. In months when you earn less than your agreed upon base amount we’ll fill the gap in your income.

manage your finances in one sleek dashboard

Link all of your accounts to organize all of your finances and get insights into your financial performance.

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Tablet displaying a "Financial Insights" chart along with the Control Visa card to the left (slightly overlapping tablet)

take control of your finances with a business bank account

Organize your income and business expenses, and manage your top-ups and repayments all from one account.

get perks and rewards on the things freelancers really care about

Access exclusive partner perks and rewards with your membership on the things that you need to run your freelance business.

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free for beta users

Qualify for early access by joining our no-obligation waitlist.

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unpredictable income?
get peace of mind and take CONTROL.

Smooth out your cashflow so you have no more lumpy income. Period. 

Here's what freelance experts have to say

"As a freelancer, my cash flow is lumpy and I never know how much of the money in my account I’m able to spend because I’m always worried about setting aside money for my taxes and saving for emergencies. Control’s dashboard gives me better clarity and confidence about my finances."

Colton Duncan

"One of the hardest parts of freelancing is the unpredictability in income. It's what stops so many people from taking the leap of faith. Control is going to change the world of freelancing forever by providing the job security so many people crave. As the world shifts entirely to a remote working-structure in the years to come, I believe this incredibly agile platform will be at the center of it all."

Alexandra Fasulo

"It’s hard to save for the future as an independent worker when worrying about paying for my own health benefits, vacation pay, and 401K. I’m able to set my own goals and do a better job saving with Control’s dashboard."

Paulo Fragatti

frequently asked questions

What countries is ControlHQ available in?
We are currently only available in the U.S.

How do I qualify for a membership?
We’ll make sure you’re a freelancer with digital skills, like a digital marketer, graphic designer and software developer.  We’ll also look at your freelance income over the last year, what you expect to make and your last tax forms. We’ll also pull a credit report for fraud and identity protection purposes.
How do I cancel my membership?
You can cancel your membership anytime by contacting us at Once you’ve cancelled your membership you’ll need to start paying back any outstanding balances immediately at the rate and timeline per your membership agreement.
How much Income Smoothing can I get monthly?
We will give you up to $2000 at any one time.  That means if you borrowed $2000 one month, you can’t access any more money until you’ve repaid some of your outstanding balance.

What happens if I don't want Income Smoothing one month?
If you’re eligible for a top-up of your income but decide you don’t want to take it that month, no problem.  Just let us know when we send out your monthly reminder and we won’t top-up your income that month.

How much does it cost?
Control’s membership costs $25/month to access income smoothing, freelance business bank accounts, a Visa debit card, exclusive freelancer perks and discounts, and most importantly, your time and peace of mind. For now, our membership is free for all beta users for the first year.

Do I have to pay interest?
We do not charge you an interest fee, simply pay $25/month for your membership. No additional fees and no hidden charges.
How do I repay my outstanding Income Smoothing balance?
We’ll securely monitor your income, and in a month when you get paid more than your base pay we’ll automatically help you pay back a minimum of 50% the amount of money you made above your baseline, and you can always pay back more if you want to.
What happens if I can't repay my balance?
We understand freelance income can be lumpy and you may have periods of time when you can’t repay your balance.  That’s ok, just pay us back when you’ve got more money coming in.  If your balance is still outstanding after 12 months, we’ll have to re-evaluate your base amount and discuss an alternative repayment plan.
Will this affect my credit score?
Getting income top-ups will not affect your credit score, unless in the rare chance that you refuse to make any repayments or to pay your membership fee.  Otherwise you’re able to access up to $2000 at a time without it affecting your credit score.

A new way to keep your cash flow steady

Get started by joining our no-obligation waitlist.

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