What project types are best for a freelancer versus an agency?

Freelancers fit small sites, focused features, bug fix sprints, prototypes, short term capacity gaps, and well defined tasks where one skilled person is enough and the timeline is short. Agencies fit SaaS products, custom applications, anything multi tenant or regulated, long term products that will evolve, projects needing multiple skill sets (backend, frontend, DevOps, QA), and anything where continuity and accountability matter. The rough rule: if you would be in trouble should one person vanish mid project, you want an agency. If a single person disappearing is a minor inconvenience, a freelancer may be fine.