Frequently asked questions about invoicing without a company

Is it legal to invoice without a company?

Yes, absolutely. The self-employment model is well-established in Sweden and fully regulated by law. It is used by hundreds of thousands of people and is approved by authorities such as the Swedish Tax Agency. It is a completely legitimate way of working.

Can I invoice anyone?

You can invoice almost anyone, both companies and individuals. Exception: You cannot invoice your regular employer through self-employment. It must be a completely separate assignment from a different client.

Does it affect my unemployment insurance?

It can do. If you are a member of an unemployment insurance fund, you should contact them to inform them that you invoice without a company. This can affect your contributions or your rights. Each unemployment insurance fund has its own rules, so it's important to clarify your situation with them directly.

How quickly do I get paid?

You receive your salary the next banking day after we at Paidin receive payment from the client. Clients typically pay according to 30-day payment terms, but this varies. The faster the client pays, the faster you receive your money.

How do I choose the right umbrella company?

It's worth comparing between the different companies. Look at:

• Fee - typically between 3.5 and 8 percent
• Customer support - fast and helpful support is important
• Payment speed - how quickly do you get your money?
• Hidden fees - make sure there are no hidden costs
• User experience - the portal and system should be easy to use

Tip: Since your first invoice is free with us at Paidin, you can evaluate us without any risk and see that we live up to what we claim.

How long can I invoice without a company?

As long as you want. There is no commitment period and you can keep invoicing for as long as it suits you. Many people use it for several years, others only for a few assignments. It's completely flexible and up to you.

Can I invoice without a company if I have a business ban?

Yes, you have the right to use an umbrella company regardless of whether you have a business ban or have previously gone bankrupt. You can even have your own company but choose to invoice assignments through self-employment.