Finland is not cheap to live in.

That might not be breaking news, but for students, part-time workers, and full-time workers with a side hustle, it still means that everyone is looking for ways to make extra euros on the side. The good news is that you don’t need to be a full-time entrepreneur to get paid for your work. Freelancer work in Finland is more available than, for example, 5 years ago for sure, thanks to the light entrepreneur model.

No Business ID? The Solution is Here

In Finland, you can indeed do invoicing without a business ID. This is known as a “kevytyrittäjyys” (light entrepreneurship) and means that you can work as a service provider and earn income, but you don’t need to register a company (Toiminimi) or have a Y-tunnus.

Instead, you can sign up for an invoicing service, and they will take care of the billing, taxes, and mandatory contributions for you. This is a good option if you want to test out an idea, work as a freelancer, or earn some extra income as a student or someone already in full-time employment. If you want to invoice without a business ID, this option is a low-risk, flexible way to get some work and start freelancing!

Why Security Matters

Security is the top priority in an invoicing service. In Finland, the Financial Supervisory Authority (FIN-FSA) has increased the attention of financial service operators, because the operations of freelancers and their wages are also involved.

This is where the Palkkaguru.fi invoicing service in Finland excels. It is an invoicing company in the Financial Supervisory Authority’s register, licensed by the Payment Institution. This invoicing company must operate under the strict payment and account management laws. The operator must also verify your identity before transferring funds. This guarantees that funds are transferred securely. So you can focus on earning more money and performing invoicing, leaving the handling of the funds to our invoicing service company.

Palkkaguru vs. The Rest

Not all billing services are created the same. Some of them can take a cut of your hard-earned money using hidden fees and commissions. Palkkaguru offers fair and transparent pricing so that you know what you are paying for. It is as simple as that.

Another benefit is the speed they operate in. As soon as your client pays your invoice, your salary is processed without unnecessary holds. Moreover, Palkkaguru offers a personalised support for the assistance in the Finnish Taxation and Information model. You are not just another number in the system; you are a human being and are treated as such.

What About Insurance and Taxes?

Even if you don’t have a company registration number, there are some obligations for a freelancer in Finland. When the amount of your income exceeds the limit, you may need YEL pension insurance. Besides, when you use a digital tax card, the exact sum of the withholding tax is deducted for you automatically.

The good thing about using an invoicing service is that you can focus on your own expertise instead of administrative paperwork; it takes care of compliance.

Get Started Today

Freelancing shouldn’t be a hassle in Finland. With light entrepreneurship, you can easily start earning money quickly and safely without a business ID. But choosing the right service for your light entrepreneurship, such as Palkkaguru, will give you security, ease, and support, and allow you to concentrate on what really counts: your work.