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Late payments shouldn't cost you sleep.

We're exploring better protection for freelancers.
Register your interest.

WorkMoat - The safety net freelancers actually need

This is costing you money

£5,400

average amount owed to freelancers in unpaid invoices

FSB Late Payment Report

87%

of freelancers worry about income gaps between projects

IPSE Freelancer Survey 2023

62%

of freelancers have worked without a contract

IPSE Freelancer Survey 2023

29%

of freelancers have had a client dispute payment terms

IPSE Confidence Index

What we're exploring

Late payment solutions

Chasing invoices is exhausting. Waiting 60+ days is worse. We're researching whether there's a better way for freelancers to manage cash flow when clients pay late - or don't pay at all.

Income gap support

One month you're fully booked, the next you're scrambling. We're exploring what would actually help freelancers bridge those unpredictable gaps - beyond just 'save more money'.

Contract risk scanner

Bad contracts cost freelancers thousands. Our free scanner flags risky clauses in plain English - dodgy payment terms, unlimited liability, IP grabs, unfair termination. No signup.

We're researching what freelancers actually need and whether better solutions are possible. Register interest to share your input.

Register your interest

Help shape what we build. No commitment, just a conversation.

What's your biggest worry as a freelancer?

Free tool: Spot risky clauses before you sign

Upload a contract. See the risks in plain English. No signup.

Common questions

"I've been freelancing for over a decade. I've signed contracts I didn't understand, chased invoices for months, and worried about what happens if a client goes bust owing me money. Every freelancer I know has similar stories. We deserve better tools and protection. That's why I'm building WorkMoat - the safety net I wish I'd had from day one."

Ed

Founder

WorkMoat Ltd is not authorised or regulated by the Financial Conduct Authority. No insurance or financial products are currently available for purchase. This website is for market research purposes only. Any future financial products would be subject to regulatory approval.

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