Juuli
“Can a freelancer-first financial platform combine Merchant-of-Record invoicing with EUR banking and cards to replace the need for a registered company?”
HQLondon, United Kingdom
Latest roundSeed
IndustryFintech / SMB banking
The story
Juuli is a London/Estonia-based fintech platform serving freelancers and small EEA businesses. Its core offering bundles a dedicated German EUR IBAN, Visa debit cards, invoicing, and a Merchant-of-Record service that lets freelancers invoice global clients without registering a company. The Estonian entity Juuli FS LTD acts as the legal seller, handling VAT and compliance across 30+ countries.
Last 12 months
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The stack
2 layers disclosed in Juuli’s embedded-finance stack
Payments / PSP
Juuli (Merchant of Record, self-operated)
Money movement
in the full report
Accounting gap: significant
3 more providers across 1 layer, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.