Handl is an AI-native financial operations platform built for freelancers and small agencies (1-10 people). It combines quoting, invoicing, payment collection, and scope management in a single workspace. Automated payment reminders follow up on overdue invoices at configurable intervals, removing the need for manual chase emails. Scope change requests are logged and tracked in real-time, preventing surprise invoices and reducing client disputes. Designed by a founder who has spent 20+ years running digital agencies.