# Ruul

> Ruul is a global invoicing and payment platform for freelancers and independent professionals. It lets you invoice clients in 190+ countries and get paid fast — without needing a registered company. Ruul acts as the Agent of Record: it contracts with the freelancer, issues the invoice to the client, collects payment, and pays out within 1 business day.

Ruul removes the administrative and legal overhead of independent work. There are no setup costs and no monthly fees — just a 5% transaction commission. Over 240,000 freelancers use Ruul, processing $1.18B+ in total transactions with a 96.4% satisfaction rate. Teams at the UN, McKinsey, Toyota, Klarna, and MIT work with contractors through Ruul. Payouts are supported in 140+ currencies, including crypto.

## Core product (for freelancers)

- [Invoice clients](https://ruul.io/invoice-clients): Create and send professional invoices to clients anywhere — single, recurring, or subscription-based.
- [Invoice without a company](https://ruul.io/invoice-without-company): Invoice legally without registering a business; Ruul is the Agent of Record on the contract.
- [Get paid](https://ruul.io/get-paid): Collect client payments and receive payouts in 140+ currencies (including crypto) within 1 business day.
- [Subscriptions](https://ruul.io/subscriptions): Recurring and retainer billing for ongoing client work with automatic invoicing.
- [Stay organized & tax ready](https://ruul.io/stay-organized-tax-ready): Centralized document storage and exportable transaction summaries for tax season.
- [Early pay](https://ruul.io/early-pay): Access funds before the client payment clears.
- [Crypto payout](https://ruul.io/crypto-payout): Receive freelance earnings in cryptocurrency.
- [Pricing](https://ruul.io/pricing): No setup cost, no monthly fees — pay-as-you-go 5% transaction commission.

## For businesses (hiring & paying contractors)

- [Ruul for business](https://ruul.io/business/home): Onboard, manage, and pay global contractors compliantly.
- [Agent of Record](https://ruul.io/business/agent-of-record): Ruul becomes the contracting counterparty so businesses work with contractors without compliance risk.
- [Contractor management](https://ruul.io/business/contractor-management): Manage contractor relationships, contracts, and documents in one place.
- [Contractor payments](https://ruul.io/business/contractor-payments): Pay contractors globally in their preferred currency.
- [Bulk payouts](https://ruul.io/business/bulk-payouts): Pay many contractors at once.
- [Contractor onboarding](https://ruul.io/business/contractor-onboarding): Onboard contractors quickly and compliantly.
- [Contractor compliance](https://ruul.io/business/contractor-compliance): Reduce misclassification and compliance risk.
- [API](https://ruul.io/business/api): Integrate Ruul's invoicing and payout flows programmatically.

## Free tools

- [Invoice generator for freelancers](https://ruul.io/invoice-generator-tool-for-freelancers): Create professional invoices for free.
- [Freelance hourly rate calculator](https://ruul.io/freelance-hourly-rate-calculator-tool): Work out what to charge per hour.
- [Free NDA generator](https://ruul.io/free-nda-generator): Generate a non-disclosure agreement.
- [Service agreement generator](https://ruul.io/service-agreement-generator): Generate a freelance service agreement.

## Blog — cornerstone guides

- [Ruul blog](https://ruul.io/blog): Practical guides on freelancing, invoicing, payments, taxes, and growth.
- [How to invoice as a freelancer](https://ruul.io/blog/how-to-invoice-as-a-freelancer): End-to-end guide to creating and sending client invoices.
- [What is an Agent of Record](https://ruul.io/blog/what-is-agent-of-record): How the Agent of Record model lets freelancers invoice without a company.
- [How to grow your freelance business](https://ruul.io/blog/how-to-grow-your-freelance-business): Practical strategies to attract better clients and increase income.
- [Freelance rates guide](https://ruul.io/blog/freelance-rates-guide): How freelancers set and raise their rates.
- [Best payment methods for freelancers](https://ruul.io/blog/best-payment-methods): Compare ways freelancers get paid.
- [How to handle late payments](https://ruul.io/blog/how-to-handle-late-payments-as-a-freelancer): Prevent and recover overdue invoices.
- [Invoicing platforms and tools](https://ruul.io/blog/invoicing-platforms-and-tools): Compare invoicing software for freelancers.
- [How to pay freelancers](https://ruul.io/blog/how-to-pay-freelancers): A business guide to paying contractors globally.
- [How to hire contractors](https://ruul.io/blog/how-to-hire-contractors): A business guide to compliant contractor hiring.

## Company

- [About Ruul](https://ruul.io/about-us): Company background and team.
- [Contact](https://ruul.io/contact): Get in touch with Ruul.