The Loot Blog

Practical guides for Canadian freelancers.

Client Wants to Pay You Directly? How to Do It Safely

A client wants to pay you directly instead of through a platform. Here's how to say yes safely: what to check, what to put in writing, and how to get paid.

Jul 8, 2026·6 min

Getting paid

Why Some Invoicing Apps Hold Your Money

Some invoicing apps hold your money before paying you. Learn the difference between direct settlement and a platform that freezes funds, and four questions to ask.

Jul 1, 2026·6 min

Taxes

GST/HST for Canadian Freelancers in 2026: When You Charge It, and When You Don't

When you have to register for GST/HST, when you don't, which rate goes on the invoice by your client's province, and how Quebec's QST fits. Plain-language guide for solo freelancers in Canada.

Jun 24, 2026·7 min

For Wave users

A Canadian Alternative to Wave, Built for Freelancers

Wave's free plan has been shrinking since 2024. What changed, why it matters for Canadian freelancers, and what to look for in a replacement.

Apr 21, 2026·6 min