As More Workers Go Solo, the Software Stack Is the New Firm | Andreessen Horowitz

Across multiple verticals, independent workers often lack predictable income, which presents an opportunity for lending. Early products in this space include Patreon Capital (merchant cash advances for Patreon creators), Shopify Capital, as well as horizontal creator business platforms Karat and Stir.

We believe that collectives will become the prevalent organization in the next two decades as a collective is the most adapted structure to the aspirations of the upcoming generation and is solving most of the pain points associated with being a freelancer.