Get paid for your Flovi gigs

Light entrepreneurship is a way of working that lets a private person invoice for their own skills without a Business ID (Y-tunnus) of their own or setting up a company. A light entrepreneur finds their own clients and agrees on the content and price of the work, but the invoicing goes through an invoicing service. Light entrepreneurship suits especially those who want to try working as an entrepreneur easily and flexibly.

Interested in a Business ID of your own?

As a sole trader you get back the VAT on your purchases and the entrepreneur deduction in your taxation, so you may keep more. You can apply for a Business ID right in the Truster app, and you usually get it within a few days. See the guides on the Sole trader tab.

Partner pricing and other fees:

• Service fee 1.75%
• Truster Turva 3.20% → More information
• Health insurance contribution 1.91%, if you are liable to pay it yourself
• Optional Maksuvahti €1.99 → More information

We also withhold tax (ennakonpidätys) from your pay according to your tax card for wage income, and the YEL insurance contribution if you have taken out YEL insurance with Ilmarinen through us.

The video covers these topics:

• 1:45 Adding kilometre allowances
• 3:19 Adding daily allowances
• 5:42 Adding expense reimbursements

Truster creates the invoices for you from the details we get from the client, so you don't need to create or send an invoice yourself. All you need to do is add your own travel costs and allowances to the ready-made draft invoice in your profile during the work period, if you want them paid tax-free with your payout. Adding your travel costs to the draft invoice makes sure you get the tax-free reimbursements you are entitled to right with your payout, so you keep more money! Expenses included in your payout don't need to be reported to the Tax Administration separately.

You can now also add fuel and charging receipts for transfer drives to the draft invoice as an expense reimbursement with a receipt. For journeys in your own car, such as from home to the car you are moving, claim a kilometre allowance. As a light entrepreneur you can't add material costs to the invoice; you can deduct them in your personal tax return as expenses for the production of income.

1. Start from the invoice

Open the Truster app and, under Invoices (Laskut), go to the draft invoice you want to add expenses to. Choose Add row (Lisää rivi) and then Add or edit expenses (Lisää tai muokkaa kuluja).

2. Choose the place of work

When you add expenses for gigs you have done, set the place of work to Special (Erityinen).

If you regularly work in the same place, such as at home or in an office, that is your regular place of work. Journeys between home and a regular place of work are usually not reimbursed.

Finally, check your expenses

See the guide for each type of expense below. Once you have added all your expenses, check the details and make sure nothing is missing. You don't need to send the invoice: we match the expenses to the right gig once we get the invoicing details from the client.

First choose the date you want to add the expense to. Then choose Expense allowance (Kulukorvaus).

Add the receipt

• take a photo of the receipt or upload a file
• enter the amount of the expense
• add the VAT details shown on the receipt

Purchases in Finland: add the total amount and the VAT shown on the receipt

Purchases abroad: add the amount in euros and VAT 0%

Add a description

In the expense description, add the ID of the gig the expense belongs to.

An acceptable receipt

Make sure the receipt you add is acceptable for deductions. An acceptable receipt includes:

• the seller's details (company name and Business ID)
• an itemised price
• the amount of VAT
• the date

If the work trip entitles you to a daily allowance, choose Daily allowance (Päiväraha) and fill in:

• the start and end time of the trip
• the destination address
• the addresses you moved between, if you changed location

In the description, add the ID of the gig the daily allowance belongs to.

Note that the home address in your profile is used as the starting address automatically, so you only need to add the destination address. So make sure your home address is up to date under My information (Omat tiedot).

Choose Kilometre allowance (Kilometrikorvaus) and fill in:

• the start time
• the end time
• the starting address
• the destination
• the purpose of the drive (the gig ID)
• the vehicle details

If the journey had several stops, add them to the route. If you went back to where you started, choose Include return trip (Sisällytä paluumatka). If you drove a car, also add its registration number.

The draft invoice for adding expenses from the partner's gigs first shows in your profile with a total of €0.00. Once we get the invoicing data from the client, we combine the pay details with the draft invoice automatically. An invoice with the full amount then appears in your profile, and you can follow its status in the app. So you don't need to create or send invoices for these gigs yourself.

How do I create an invoice for another client?

If you also do other work that you invoice yourself, you can easily create invoices right in the Invoices (Laskut) section of the app. You'll find detailed instructions for creating other invoices here.

A sole trader (toiminimi) has their own Business ID, in whose name the invoices are sent. A sole trader is required to keep accounts, and with Truster's sole trader service your business is always in the VAT register. Being a sole trader suits especially those who want to grow their business and deduct a wider range of expenses in their taxation. The business's income is declared as business income, in a separate business tax return. That return is combined with your personal tax return, and the taxes are paid as prepayment tax.

More money in your pocket

• VAT back: you get back the VAT on your business purchases, such as fuel and charging receipts, in your VAT return. This isn't possible as a light entrepreneur.
• Entrepreneur deduction: 5% of your business profit is deducted in taxation, so you pay no tax on it.

Starting as a sole trader through Truster is easy, and you do it all in the Truster app.

1. Order Truster Pro Light

Open the app's Me (Minä) tab and choose Order Pro Light (Tilaa Pro Light).

2. Follow the app's instructions

The app guides you through getting started. If you don't have a Business ID yet, you can apply for one at the same time, and you usually get it within a few days. If you already have a Business ID, you can use it.

3. Grant the authorisations

Grant Truster the authorisations the app asks for, so that we can handle your business's dealings with the authorities for you.

4. Done!

From now on, always log in with the email address or phone number you gave the client. Once we get the invoicing data from the client, we create an invoice with the pay details in your profile automatically, so you don't need to create or send invoices for Flovi gigs yourself.

Truster Pro Light has a monthly fee according to the standard price list.

More information: Opening a sole trader business and its price · Getting started with an existing Business ID

Partner pricing and other fees:

• Service fee 1.75%
• Truster Turva 3.20% → More information
• Optional Maksuvahti €1.99 → More information

On top of these, the sole trader service (Truster Pro Light) has a monthly fee according to the standard price list. → See pricing

If you are a sole trader, we can also withhold prepayment tax from your pay at the tax rate you set in the app. We can also withhold the YEL insurance contribution if you have taken out YEL insurance with Ilmarinen through us.

As a sole trader you have a receipt scanner that makes documenting your business expenses (such as materials, fuel and charging receipts, and travel costs) quick and easy. With the receipt scanner you can upload electronic receipts and take a photo of a paper receipt. Always add one receipt at a time: one picture can't hold several receipts.

You can add expenses more freely than as a light entrepreneur, without having to report them within a given work period. We do recommend adding your expenses at least once every VAT period, so that they always go on the right VAT return. That way you get your VAT refunds on time too!

So as a sole trader, your expenses aren't handled with your payout; they are taken into account once a year in your tax return. Fuel and charging receipts for transfer drives are handled as a tax-deductible expense, but restrictions apply to fuel receipts for your own vehicle, depending on how much you use it for work.

You send us your kilometre and daily allowances at the end of the year with a tax return questionnaire, and we add them to your business tax return for you.

How our receipt scanner works

1. Open the app's Me (Minä) tab and choose Receipts (Kuitit)
2. Tap the Add receipt (Lisää kuitti) button
3. Choose whether you want to scan the receipt or take a photo
4. Upload the file from your device or take the photo, and save
5. If the receipt doesn't show how it relates to your business, explain it
6. Save

Once saved, the receipt comes to us for an internal check. Every receipt is always checked, so the proper receipts are approved before the VAT and tax returns. You don't need to keep an eye on a receipt that is waiting for its check.

What makes a receipt valid for bookkeeping?

To be accepted for bookkeeping, a receipt must show:

• The seller's name, address and Business ID
• The date of purchase
• What was bought
• The price (with and without VAT)
• The VAT rate

Why was my receipt rejected?

A screenshot from online banking

If you have added a screenshot from your online bank through the receipt scanner, the receipt is rejected automatically. Online banking payment details don't cover everything listed above: the picture doesn't show all the seller's details, the product or the VAT rate. Always upload the original receipt or invoice.

Missing details

If a receipt is missing any of the details listed above, it can't be accepted for bookkeeping. The most common reason is a missing product or service. The receipt may show the seller's details, the date of purchase and the amount, but if it doesn't show what service or product was bought, there is no basis for adding it as a business expense. Receipts like this usually come from a card terminal. Always upload the document that shows all the details listed above.

A duplicate receipt

A typical reason for rejection is a duplicate: the same receipt has already been approved in your accounts once. Duplicates are rejected automatically. So it's important to upload each receipt as soon as possible after the purchase, or for example at regular intervals, so that you don't make extra work for yourself by uploading the same receipts through the scanner again.

As a sole trader, your profile has no draft invoice for adding expenses from the partner's gigs. Once we get the invoicing data from the client, we create an invoice with the pay details in your profile automatically. An invoice with the full amount appears in your profile, and you can follow its status in the app. So you don't need to create or send invoices for these gigs yourself. You add your expenses to your accounts with the receipt scanner.

How do I create an invoice for another client?

If you also do other work that you invoice yourself, you can easily create invoices right in the Invoices (Laskut) section of the app.