AGENT OF RECORD
Hire and Manage Contractors Globally, Without the Hassles
Our Agent of Record (AOR) service allows businesses to engage independent contractors worldwide with confidence. Whether you need specialists for a project, freelancers to expand your talent pool or help managing complex contractor arrangements, Access Financial takes care of classification, compliance and payments so that you can focus on your core business.
FAQ
What is an Agent of Record?
An Agent of Record (AOR) is a third-party service provider that acts as an extension of your organisation, overseeing independent contractors and ensuring every engagement complies with local labour rules. Unlike an Employer of Record (EOR), which becomes the legal employer for full time staff, an AOR focuses exclusively on independent contractors.
AORs classify contractors according to local laws, create compliant contracts and handle payments and administration.
This helps businesses avoid fines and legal disputes caused by misclassifying workers as employees.
Benefits & key features
For Contractors / Freelancers
Clarity & Proper Classification
AORs verify that you are engaged as an independent contractor rather than an employee, protecting your freelancer status and ensuring fair treatment.
Compliant Contracts
Legal documents are drafted in line with local regulations, clearly outlining scope, payment terms and confidentiality.
Timely, Multi-Currency Payments
An AOR processes payments in your local currency and manages exchange rates and international banking compliance, reducing delays and unexpected fees.
Support & Guidance
Contractors receive a consistent point of contact for questions about onboarding, invoicing and compliance, improving the engagement experience.
For Recruitment Agencies
Reduced Compliance Risk
Agencies avoid fines and audits by outsourcing contractor classification, tax compliance and legal documentation to an AOR.
Streamlined Onboarding
The AOR collects necessary documents (background checks, tax numbers and bank details) and handles contract creation and signing.
Payment & Reporting Automation
Multi-currency invoicing and payment processing are centralised, with clear reporting for agencies and contractors.
Operational Efficiency
Agencies can focus on sourcing talent while the AOR handles administrative tasks, speeding up placements.
For End-Clients (corporates)
Global Compliance
The AOR monitors labour regulations in every country and ensures that independent contractors are engaged legally, reducing liability.
Risk Mitigation & Misclassification Prevention
By accurately classifying workers, the AOR protects you from penalties, wage audits and lawsuits associated with misclassification.
Cost & Time Savings
Outsourcing onboarding, contract management and payments frees your HR team to focus on strategy while reducing overheads.
Access to Global Talent
With compliance and administrative hurdles removed, companies can confidently hire independent specialists from new markets.
How it works
Our approach to AOR follows a structured process that ensures accuracy and compliance at every step. The timeline below illustrates the key stages.
1-2 DAYS
Compliance Assessment & Worker Classification
We review your project requirements and examine the role against local regulations to confirm that the worker is correctly classified as an independent contractor.
2-5 DAYS
Contract &
Onboarding
Our specialists collect the contractor’s documents, draft a compliant contract and coordinate onboarding, including background checks and NDA signatures.
ONGOING
Payment & Ongoing
Management
Access Financial manages all payments, invoices and tax filings, sending funds in the contractor’s currency while handling FX and banking compliance.
Continuous Compliance & Support
We monitor regulatory changes and provide ongoing guidance, ensuring your engagement remains compliant and efficient.
Why Access Financial?
Direct Local Expertise
Access Financial operates through its own entities rather than subcontracting services, ensuring consistent standards and local knowledge across jurisdictions.
Proven Compliance & Risk Management
Our team specialises in contractor classification and regulatory compliance, helping clients avoid the fines and legal issues associated with misclassification.
Simplified Onboarding & Payment
We handle all administrative tasks, from contract drafting and tax registration to multi-currency payments, providing a single point of contact for you and your contractors.
Transparent Pricing & Flexible Engagements
No hidden fees: our pricing is clear and scalable, enabling you to engage contractors for short term projects or long term assignments.
Integrated Services
Beyond AOR, our ecosystem includes employer of record, tax and legal compliance, payroll, immigration, and contract management services, giving you the flexibility to upgrade as your workforce evolves.
Country Explorer
If you are interested in getting detailed information about our solutions in any other country, please get in touch with us and we would be happy to share our experience and expertise with you.
Get in touch
Ready to streamline your business? Our dedicated sales team will provide a tailored proposal and answer all your questions.
Best choice
AF has greatly simplified the process of hiring and paying people for our company. The platform is highly intuitive and user-friendly, and the support team at AF has consistently exceeded our expectations in responding to our requests.
Antony Tonmberg
CEO
AF has made hiring internationally easy!
AF has significantly simplified our process of hiring international talent. They offer knowledgeable experts in each country, ensuring that we comply with local regulations for every hire.
Maria Kolesnikova
HR Director
Great platform and user-friendly
Access Financial provides me with a comprehensive, secure payroll platform that is user-friendly and operates on any device.
Andreas Koulogiras
Contractor
Thank you for your assistance
I like that WFM has a wide range of modules like timesheets, invoicing, expenses etc., which help me when working with different clients in Europe and Asia.
Kevin Corbet
Contractor
Since March 2022, I’ve been on this amazing journey with Access Financial
Honestly, it’s been the happiest and most fulfilling chapter of my career. Thank you for the trust, the learnings, and for being a part of this memorable journey. I genuinely wish for a bright and prosperous future for all of us.
Andreas
Contractor
If there is anything to remember about AF, it is the clarity, the honesty and the discretion
After several years of collaboration with you, I regret to announce my departure from AF. It has been a real pleasure to have made this part of road with you, and I wish you full success with other collaborators. I regret my departure from your company, but the rules decided otherwise.
Ahmed Mohammedi
Contractor
I’ve been using Access Financial services for more that one year and so far I’m fully satisfied with my choice
The company is providing prompt and valid support to all my needs as contractor and I recommend it.
Cesare Pittarello
Contractor
I want to take this opportunity to thank you for the good experience I’ve had the last 3 years working with AF
I feel a sense of trust in AF and for me that is what is most important in any business relationship.
Roy Harris
Haricom Limited
I would like to thank Access Financial Team for all your help on my urgent matter
A special mention to Louise and her commitment to help me promptly and in any possible way, even by disturbing some of her annual leave. You’re very lucky to have such people within your team!
Christos
Contractor
I want to thank Access Financial for your assistance with immigration
My special thanks to Team Europe, their service was very professional. They were always quick to respond, provide me with answers and solutions.
Luke Williams
Contractor
It was always a pleasure to work with AF
Before when I worked in Belgium and now in Germany, the service was always very pleasant. So yes, in the case I will need any umbrella company, I will surely contact only you.
Vlado
Contractor
I like the transparency you work with
I will let people know in my network with the services you provide.
Harshit
Contractor