Light Entrepreneurship

Effortless and risk-free way to sell your skills

Light entrepreneurship is a popular, convenient and risk-free way to invoice clients for services provided by an individual. Start as a light entrepreneur without a business ID – we handle the bureaucracy for you.

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Light entrepreneurship is the most convenient way to invoice as a private individual

Compare light entrepreneur options

Entrepreneur without services
Bisse Light Entrepreneur
Without Business ID
Bisse Light Entrepreneur
With Business ID
Features
Licensed industries
VAT deductionsSelf-managed
Invoicing needDepends on business formOccasionalContinuous
Getting startedThrough PRHThrough Bisse.fiThrough Bisse.fi
Setup fee0-380 €0 €0 €
Service feeDepends on service2,9%2,9% or 39,90/m
Monthly feeDepends on servicesNo monthly fee2,9% or 39,90/m
Business IDSelf-appliedYes, in minutes
BookkeepingSelf-managed
Invoice sendingSelf-managedEmail, e-invoiceEmail, e-invoice
Accident insuranceSelf-managed
Liability insuranceSelf-managed
Tax withholdingSelf-reportedAccording to tax cardAccording to tax percentage
IncomeDepends on business formSalarySalary
Age limitDepends on business form14 years18 years

Start as a light entrepreneur today

Join thousands of satisfied light entrepreneurs and start invoicing effortlessly

Calculate how much you would earn as a light entrepreneur

Find out how much you earn in your account from the invoiced amount easily with our salary calculator. Also add your tax card's tax percentage and VAT.


Please note that the withholding tax is equal to the rate indicated on your tax card. If you don't provide a tax card before the payment of salary, a withholding tax of 60% will be applied.

Invoice total
Sum, with VAT1 255,00 €
Sum, without VAT1 000,00 €
Salary estimation
Service fee 2.9%−29,00 €
Gov. Health insurance fee 0%0,00 €
Gross salary971,00 €
Withholding tax 10%97,10 €
Net salary to be paid873,90 €


bisse.fi is for light entrepreneurs!

Who is light entrepreneurship suitable for?

Light entrepreneurship is for you when…

You want to work on your own terms

As a light entrepreneur, this is possible. You decide for yourself who, when and at what price you do your work. We handle the bureaucracy for you.

You want entrepreneurship with minimal risks

As a light entrepreneur, you can try entrepreneurship without large initial investments or risks. You decide what services you offer and at what price, and we take care of invoicing and administrative obligations for you.

You do side work alongside your main job or studies

Who wouldn't want some extra income? Utilize your own expertise and sell your services as a freelancer alongside work or studies. As a light entrepreneur, you can accumulate valuable work experience already during your studies with gig work or safely try what it feels like to sell your own expertise.

You work occasionally

Light entrepreneurship suits you if you want to invoice occasional, seasonal or hobby-based side work easily and effortlessly. The service is used by, for example, bands, influencers and sports coaches.

You are tired of running your own company alone

Company paperwork can sometimes feel heavy and time-consuming. As a light entrepreneur, you can forget the bureaucracy and focus on what you do best. Let bisse.fi handle the paperwork for you – you'll have more time for the most important things.

Light entrepreneurship and taxation

For a light entrepreneur, the advance tax percentage determined by the tax office determines the portion that goes to taxes from each invoice – in exactly the same way as in taxable income taxation from salary work. In light entrepreneurship, however, you don't have to worry about paying taxes yourself, but it's enough that you have a tax card for salary, bisse.fi then automatically deducts taxes from each invoiced bill.


Light entrepreneur's income is taxed as earned income. Taxation works normally: the more income accumulates from services, the more taxes are paid. If light entrepreneurship is a side activity, other earned income is also taken into account in taxation, so the amount of tax is based on total income.


Learn about light entrepreneur taxation

Light entrepreneurship and unemployment benefits

A light entrepreneur is considered an entrepreneur because they do not have an employment relationship with the client. For this reason, a light entrepreneur can only belong to the entrepreneurs' unemployment fund.


Working as a light entrepreneur does not automatically prevent receiving unemployment benefits as income support. The granting of unemployment benefits depends on whether the light entrepreneur is considered an employee or entrepreneur according to the unemployment security law.


Learn about light entrepreneur unemployment benefits

Light entrepreneurship and YEL insurance

Taking YEL insurance as a light entrepreneur is case-specific. Insurance is mandatory if the work lasts more than four months and annual income exceeds the annually confirmed lower limit.


However, you don't have to worry about YEL insurance yourself, but you can also ask bisse.fi to handle YEL payments for you if you wish.


Learn about light entrepreneur YEL insurance

Let Our Users' Reviews Speak for Themselves

" Good customer service and the clarity of the whole process made a commendable impression. "


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Timo-Pekka Sirviö

Sales Manager

" Fast service! The money comes even on the same day as the performance. Saves a few % and gets the money to the account immediately 👍 I've been billing for almost a year and haven't had any problems even once 👌 "


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Sebu Sezos

Sheet Metal Worker

" Affordable and fast and flexible customer service. Easy and clear. Highly recommended! "


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Pia Fraktman

Consultant

" Excellent and fast customer service! Everything has worked with bisse.fi and I can only recommend it 💪 "


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Milena Kaile

Event Organizer

" Salary payment in about 20 minutes after the invoice is paid. Very fast service. Customer service also responds without delay via WhatsApp and email. I have used almost all billing services, and this is by far the best, most efficient, and fastest 👍🏻 "


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Riku Kopponen

Painter

" Everything works as it should. Sending the invoice was easy and the money came quickly. "


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Alexandr Kostenko

Construction Professional

Easy-to-use invoicing service and lightning-fast payroll

1. Do the work

You can freely agree on tasks and work whenever it suits you best, without any commitment.

2. Send the invoice

Sending an invoice is easy and free. You can send the invoice by email or as an e-invoice.

3. Get paid

We transfer the amount you earned directly to your bank account so you can enjoy the fruits of your labor.

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bisse.fi protection, so that no light entrepreneur is left to their own devices

bisse.fi protection is comprehensive protection for light entrepreneurs. It helps in many situations, such as arranging qualified assignments or accidents or damages that occur at work. Protection is voluntary and included in our Pro service package.


Liability insurance

Users of bisse.fi's pro service package are liability insured while doing work. This means that, for example, a window glass accidentally broken by a construction worker during work is compensated.


Accident insurance

Users of bisse.fi pro service package also have accident insurance protection in case of an accident at work or on the way to work. With the protection, you can get treatment by contacting Fennia-Hoitaja.


Learn about light entrepreneur insurance

Why bisse.fi?

Light entrepreneurship with or without business ID

Start your business lighter without having to learn about entrepreneurial paperwork.

Over 10,000 users

bisse.fi is a service founded in 2021, trusted by over 10,000 users. We are Finland's most reliable light entrepreneurship service!

Secure domestic service

bisse.fi is a domestic service with a Financial Supervisory Authority license to operate and a completed tax audit.

35,000+
Invoices sent
10,000+
Users
9-23:00
Customer service and payments every day

Frequently Asked Questions

Answers to the most common questions about light entrepreneurship

No, as a light entrepreneur you don't need your own business ID. As a light entrepreneur, you always use the invoicing service's business ID for invoicing. However, if you want to operate under your own business name or expand your operations, you can apply for a business ID and establish a company.

Usually the pricing is percentage-based, meaning the price of the light entrepreneurship service depends on the invoiced amount. The light entrepreneurship service charges a percentage share for the invoicing service, which is deducted from the final amount of the invoice.

The invoicing service pays you a salary and handles advance tax deduction according to your tax card as well as statutory payments (such as health insurance contribution). The service also withholds invoice VAT and pays it to the tax authority.

  • Provide the correct tax card to the invoicing service.
  • Expenses can be deducted through the service and/or on the tax return as income acquisition costs.
  • The service handles VAT settlement to the tax authority.
  • If YEL conditions are met, take YEL; payments are tax-deductible.

Light entrepreneurship is considered entrepreneurship in unemployment security. What is decisive for unemployment benefits is the TE office's assessment of whether entrepreneurship is part-time or full-time. If light entrepreneurship is interpreted as part-time and the employee's employment condition has been met, the light entrepreneur can receive unemployment benefits from the employee fund. Instead, it is important for a full-time light entrepreneur to join the entrepreneur fund and pay YEL contributions to secure their livelihood in case of unemployment.

You need YEL insurance (entrepreneur's pension insurance) when all the following conditions are met:

  • You are 18–67 years old.
  • You operate as an entrepreneur continuously for at least 4 months.
  • Your work income exceeds the YEL insurance lower limit (in 2025 it is €9,208.43 per year, or about €768/month).
  • You are not simultaneously in another person's employment or official relationship so that your work would be considered wage work.

👉 In practice, this means that if you earn more than the lower limit as a light entrepreneur or in your own company and your activity lasts at least four months, you must take YEL insurance.

Yes, you can stop using the light entrepreneurship service at any time without notice periods or additional fees.

Start as a light entrepreneur today

Join thousands of satisfied light entrepreneurs and start invoicing effortlessly

Chapter 1

What is light entrepreneurship?

Let’s take a closer look at what light entrepreneurship actually means. A light entrepreneur is a person who works under their own name but uses an invoicing service to handle billing. Light entrepreneurship is an easy and safe way to try out your business idea without having to commit immediately to full-scale entrepreneurship. It offers a flexible and low-risk way to see whether your service or idea is profitable.

A light entrepreneur can forget most of the bureaucracy – taxation, bookkeeping, and reporting to the authorities are taken care of by the service. This allows the entrepreneur to focus on what really matters: finding clients and carrying out the agreed work with quality.

With a light entrepreneurship service, invoicing is smooth and stress-free, for example through bisse.fi. Even though you don’t need to set up your own business ID, a light entrepreneur is usually still considered an entrepreneur in terms of unemployment benefits and social security.

Light entrepreneurship as a gateway to business

If you dream of starting your own business but don’t want to take unnecessary risks yet, light entrepreneurship is an excellent way to test your idea in practice. It helps you get familiar with entrepreneurial life, and later on you can decide whether to set up a sole proprietorship or even a limited company.

Many people find the ease and risk-free nature of this model so suitable that they continue working as light entrepreneurs long term. Since the decision is entirely yours, light entrepreneurship becomes a very flexible option for different life situations.

A way of working similar to entrepreneurship

In practice, a light entrepreneur operates much like a traditional entrepreneur: they find their own customers, set the prices, and agree on deadlines. The difference is that there’s no need for a personal business ID – all invoicing is done with the invoicing service’s business ID. This makes it easier to get a feel for entrepreneurship, and billing for individual gigs is simple.

Assignments as the basis of work

It is important to understand that you cannot invoice for work performed under an employment relationship through an invoicing service. Billing is only possible when the work is based on an assignment contract. In practice, this usually includes the following features:

  • There is no employer–employee relationship between the client and the contractor
  • The work is agreed upon with an assignment contract – orally, electronically, or in writing. For clarity, a written agreement is recommended.
  • No fixed working hours – the light entrepreneur decides when to do the work, though the client can require completion by a certain deadline
  • The purpose of the work is to earn income
  • A light entrepreneur may have several clients at the same time
Chapter 2

Why should I become a light entrepreneur?

Light entrepreneurship is a smart choice whenever you have a business idea or a gig lined up that you want to carry out as easily and with as little risk as possible. It works especially well for earning side income – in other words, for freelancers and gig workers.

In short, the process goes like this: you agree on an assignment with a client, complete the work, send the invoice, and receive your pay. It’s a uniquely straightforward way to earn a living in an entrepreneurial manner.

Time-saving in many ways

Light entrepreneurship offers a hassle-free way to work without wasting time on paperwork. You can get started in just minutes by registering with a light entrepreneurship service online. The service also provides clear views of your invoicing and reporting, meaning no more binders or manual archiving – all important information stays in one secure place.

Remember to keep receipts for purchases related to your income as a light entrepreneur. These expenses can be deducted in your personal taxation. If your assignment involves travel or driving, keep a logbook – travel expenses and mileage can be deducted directly through the service. In this way, light entrepreneurship is a quick, time-saving, and effortless way to sell your skills to those who need them – no matter what your business idea is.

Free registration and no commitment

In addition to saving time, starting is risk-free: you can begin without any upfront costs by using a service provider. For example, registering with bisse.fi’s light entrepreneurship service is completely free now and in the future – you only pay a service fee once your client has paid the invoice. Signing up with bisse.fi does not bind you to anything, making it carefree to use.

Simply being registered in the service costs nothing. This means you can safely and completely risk-free test your idea and try selling your services. If business doesn’t take off as planned – or at all – you won’t lose any money.

Light entrepreneurship for minors

Light entrepreneurship is also possible for anyone aged 15 and above. By registering, a young person can employ themselves without complicated job application processes or heavy paperwork, while gaining valuable work experience easily. From the age of 15, a young light entrepreneur can do exactly the same work as an employee. To get started, all that is needed is an invoicing service, a tax card, online banking credentials, and parental consent.

Chapter 3

Is it worth becoming a light entrepreneur?

The short answer is yes – light entrepreneurship is worth it. It’s essentially the only form of entrepreneurship where the risk is virtually zero. You can join a service completely free of charge, test calmly how your idea takes off, and stop anytime if it no longer feels right.

This means you can try out a new business idea, do freelance work, take on gigs, or earn side income without committing to a certain amount of invoicing or a specific scale of business activity.

Marketing your services as a registered light entrepreneur

There are two main ways to get started. One option is to first check if there’s demand for your service and let potential customers know that you plan to invoice through a light entrepreneurship service. The other option is to register right away as a light entrepreneur and then begin approaching and contacting potential clients. At the same time, you can market your services both to new prospects and to existing contacts.

Even if you don’t yet have a client base, you can still register immediately. This gives you a professional image and builds trust when you can say that you are already a light entrepreneur and that your invoicing goes through the service. Customers see your operations as reliable and organized. This latter approach is both risk-free and convincing – a great way to start promoting your services.

Chapter 4

The pros and cons of light entrepreneurship

When considering whether light entrepreneurship is the right choice for you, it’s important to reflect on which aspects of entrepreneurship matter most in your own situation. Every business model has its strengths and challenges – and light entrepreneurship is no exception.

As you compare your options, weigh the advantages and disadvantages carefully. Below you’ll find a list of the key pros and cons of light entrepreneurship – and don’t forget the other benefits mentioned earlier that this model can bring.

Advantages of light entrepreneurship:

  • Starting doesn’t require large capital, and you don’t risk financial losses – you only pay if you use the invoicing service.
  • Bookkeeping and taxation are handled through the service, so you don’t need to spend your time and energy on paperwork.
  • You can also invoice side jobs even if you’re already employed, making it a good way to earn extra income.
  • If your activities don’t grow as expected, you can stop using the service immediately without extra costs.
  • If you later decide to establish a company, the transition is easy – for example, bisse.fi also offers the option to set up a sole proprietorship, and ending the service is straightforward.

Disadvantages of light entrepreneurship:

  • The service charges a fee for each invoice, which is deducted directly from the total amount.
  • This model is suitable only for selling services – product sales or regulated fields, such as taxi operations, are not possible through light entrepreneurship.
  • Expense deductions are limited, and you cannot apply for business financing for things like equipment purchases.
  • Start-up grants are usually not available, as applying for one requires a business ID (y-tunnus). Light entrepreneurship is only suitable for invoicing earned income, not capital income. Applying for start-up grants becomes possible later if you decide to establish your own business.

Read more about light entrepreneurship

Start as a light entrepreneur today

Join thousands of satisfied light entrepreneurs and start invoicing effortlessly

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