For Sale: Finnish SPI-Registered Freelance Invoicing & Payroll Platform
An exceptional opportunity to acquire a fully operational digital employment and invoicing platform licensed as a Small Payment Institution (SPI) in Finland. This regulator-cleared platform serves freelancers and partner businesses with a comprehensive toolkit for invoicing, talent acquisition, contract management, time tracking, and payroll processing.
Key Highlights
- Regulatory Status: SPI-licensed in Finland (under FIN-FSA)
- Platform Model: Dual-sided SaaS connecting freelancers & hiring companies
- Tech Stack: React/React Native frontend, Node.js APIs, Firebase backend
- Core Capabilities:
- E-invoicing for freelancers & gig workers
- Job board, contract e-signing, tax remittance
- Integrated payroll and time approval for businesses
- Compliance: Fully cleared KYC, tax, and insurance processes
- Active User Base: 450+ paying partner firms and a growing freelancer pool
- Scalable Architecture: Supports over 100k users with minimal DevOps
- Revenue Model: Transaction-fee-based, recurring and growing
- Team: Lean team of 5 (1 FTE); cost structure scales with growth
- Market Size: Addressable market of €1.3B+ and expanding (CAGR 10–12%)
Strategic Value
- Fully compliant SPI infrastructure – instant operational runway in the EU
- Ideal for fintech or HR tech firms seeking a white-label or plug-and-play solution
- Clear path for geographic and vertical expansion (e.g., lending, instant pay)
- Significantly reduces build time and regulatory lead-time
Asking Price: Available Upon Request
Contact us to request full documentation, financials, or schedule a confidential call.
