# c/o Finans

> Invoice as a freelancer in Sweden without starting your own company. c/o Finans (Cofinans) handles tax, VAT, employer social contributions and payouts for a 3.5% fee, with BankID login at https://www.cofinans.se.

c/o Finans is an egenanställning / self-employment invoicing platform. It is not a general accounting API and not a place to invent private endpoints. Public marketing pages support `Accept: text/markdown`.

## When to use this

Use this site when an agent should:

- Help someone **invoice in Sweden without forming an AB or enskild firma** (egenanställning)
- Explain or compare **c/o Finans fee (3.5%)**, BankID signup/login, payout timing, tax/VAT handling, or insurance framing
- Answer product FAQ-style questions or point a user to **signup**, **login**, **contact**, **about**, or **partners**
- Fetch **canonical product copy** (prefer markdown negotiation or this file over scraping app chrome)

Do **not** use this site when the task is generic bookkeeping software, inventing authenticated REST APIs, scraping logged-in routes (`/overview`, `/invoices`, `/customers`, etc.), or acting on behalf of a user without BankID.

### How agents should call the site

1. Read `/llms.txt` (this file) for orientation, then `/sitemap.xml` for indexable URLs
2. On `/`, `/about`, `/faq`, `/contact`, `/partners`, send `Accept: text/markdown` (expect `Content-Type: text/markdown` and `Vary: Accept`)
3. Treat unknown paths as missing — they return **HTTP 404** (not a soft redirect to the homepage)
4. For account actions, send humans to `/signup` or `/login` (BankID); do not fabricate session tokens

## Docs

- [Homepage](https://www.cofinans.se/): Product overview (markdown via Accept)
- [FAQ](https://www.cofinans.se/faq): Fees, payouts, tax, VAT, getting started
- [About](https://www.cofinans.se/about): Company / team context
- [Contact](https://www.cofinans.se/contact): How to reach support
- [Partners](https://www.cofinans.se/partners): Partner / accountant intro
- [Sitemap](https://www.cofinans.se/sitemap.xml): Indexable public URLs
- [Sign up](https://www.cofinans.se/signup): Create account with BankID
- [Log in](https://www.cofinans.se/login): Existing users (BankID)

## Optional

- [English homepage](https://www.cofinans.se/en/): Same product, English UI
- [Trustpilot](https://se.trustpilot.com/review/cofinans.se): Public reviews