Co-founder of Moonlight here - thanks for the mention. It costs nothing to contractors, and you set your own rate when you want to work on projects. Definitely recommend that OP signs up.
Fun story: The contractor who wrote the code for the Moonlight blog was in a similar position as OP. Hit a deer with his car, and insurance didn't cover it. Needed extra money quickly. He signed up for Moonlight and did a project in a weekend to pay for the damage.
Interesting idea. Do you have a mechanism where a moonlighter(?) doesn't get matched in a specific geography, industry or set of companies? Presumably your workers are being employed somewhere and not all employers are friendly towards moonlighting.
Also, I'm curious if you have researched the legal framework around moonlighting coupled with non-competes. My limited understanding was it is very state-based. NY, CT are not permissive while CA is very permissive. If you figured this out, there might be a lot of value to unlock.
We provide a platform for matching and payments. The contractor and the company sign a standard contractor agreement with each other. In it, the contractor agrees that they have no pre-existing obligations or commitments that interfere with the agreement. So, it's up to the contractor to ensure that any existing contracts do not interfere with the consulting agreement prior to signing it.
Moonlighters choose which projects they want to work on, so companies don't see them unless the moonlighters explicitly want to work with that company.
Fun story: The contractor who wrote the code for the Moonlight blog was in a similar position as OP. Hit a deer with his car, and insurance didn't cover it. Needed extra money quickly. He signed up for Moonlight and did a project in a weekend to pay for the damage.