Form an LLC in any state, for free.
An LLC (Limited Liability Company) is the most common structure for new US businesses. It shields personal assets, taxes profits as pass-through, and is simpler to maintain than a corporation. We form it in your state at no service cost.
Right now, it's just an idea and a dozen open tabs.
Every founder hits the same moment. The idea is real, but the path is a fog of state websites, legal terms, and forms that assume you already know the answer. You don't need to become an expert in business law. You need one clear path, and someone who has walked it a hundred thousand times.
The first question is the one that stops most people: what should you actually form?
What an LLC actually does: and what it doesn't.
An LLC gives your business a legal identity separate from you. If it's sued or can't cover a debt, your home, savings, and personal accounts are generally out of reach. But that protection isn't a stamp you buy once: courts uphold it only when you keep business and personal money apart, sign contracts in the company's name, and keep the entity in good standing with the state. The filing is step one; the habits are what hold the shield in place.
- You're a solo owner or a small partnership and want liability protection without a board, bylaws, or stock.
- You want pass-through taxation by default: profit is taxed once, on your return, not at the entity level.
- You run real estate, consulting, e-commerce, a trade, or a holding structure where flexibility matters more than issuing equity.
- You may later elect S-corp tax treatment to reduce self-employment tax once profit is consistent.
- You plan to raise venture capital or issue stock options: investors expect a C-corporation, usually in Delaware.
- You need multiple share classes or a path to going public.
- Still deciding? Our LLC vs. Corporation breakdown walks the trade-offs side by side.
- Need anonymity or layered protection? Look at an anonymous LLC, series LLC, or holding company.
The quiet detail competitors skip: in most states an LLC also carries charging-order protection: a creditor who wins a judgment against you personally generally can't seize the LLC or force a sale; they're limited to distributions you actually receive. It's one of the strongest reasons operators choose an LLC over a sole proprietorship, where no such line exists.
Decided on an LLC? Two quick calls come next. Settle them right here.
The two calls that stall founders: your name, and your state.
Make both right here. No signup, no guesswork: real 2026 state numbers, and names you can check on the spot.
Find a name that fits.
Type a word or two about what you do. We'll spark a set of ideas, then you can check any favorite live against state and USPTO records.
Ideas are a starting point. Run a favorite through the live availability check (51 state registries plus USPTO), or open the full name generator.
What will your state cost?
Our service fee is $0. You pay only what the state charges, passed through at cost. Pick a state for the real 2026 numbers.
State fees are the government's charge, not ours. Full breakdown on the pricing page.
Name picked, state chosen. Now the handoff.
A clean handoff, in four steps.
You make four quick decisions. We handle the filing, the follow-up, and the paperwork the state actually wants.
Pick your state
Most founders form in their home state. BosAI flags the few cases where Delaware or Wyoming genuinely pays off.
Confirm your name
We check it against the state register and naming rules, then reserve it for you if you're not ready to file the same day.
Add agent + members
Name your registered agent and list members or managers. A registered agent is included for your first year.
We file it
We submit your Articles of Organization and return the stamped approval: same-day in DE, NV, WY, and CO; a few business days elsewhere.
Then the part you're actually waiting for.
The moment your company becomes real.
Delaware, Nevada, Wyoming, and Colorado typically approve the same day or the next. Most other states run a few business days for standard processing. We file the moment your details check out, so an avoidable error never sends you to the back of the line.
Acme Ventures, LLC
Articles of Organization, filed with the Secretary of State. Specialist-reviewed before submission.
Sarah had an idea for a bakery.
Nine minutes to file. Two business days to approval. That same afternoon she used her stamped Articles and EIN to open a business bank account, and took her first pre-order by the weekend.
Approval is the start, not the finish. Here's your first 30 days.
What to do once it's filed, in order.
These are the steps that make the company bankable, compliant, and actually protected. Most can be handled the same day you form.
Get your EIN
Your business's federal tax ID, needed to open a bank account, hire, or file taxes. It's free from the IRS, and we file it the same day, including for founders without an SSN.
Adopt an Operating Agreement
Who owns what, who can sign, and what happens if an owner leaves or dies. It's legally required in CA, DE, ME, MO, and NY, and it's the first document a bank or investor asks to see everywhere else.
Open a business bank account
The single step that preserves your liability shield. Mixing personal and business funds is the most common way owners accidentally lose the protection they paid to create.
Put your annual report on autopilot
Most states require a periodic report and fee to stay active. Miss it and the state can administratively dissolve your LLC, ending the very protection you formed it for. A compliance calendar tracks every date for you.
Check licenses and your BOI status
Forming with the state isn't permission to operate; many cities and trades need a local license. On federal beneficial-ownership (BOI) reporting: as of 2026, U.S.-formed LLCs are exempt, because FinCEN removed the requirement for domestic companies in 2025. Foreign-formed entities registered in the U.S. still report, and a few states (New York, from 2026) now require their own disclosure. See who has to file →
You can do these one by one. Or hand the whole sequence to one team.
File once, or stay protected year-round.
- Articles of Organization filed
- Specialist review
- Operating Agreement template
- EIN walkthrough
- Everything in one-time
- Registered Agent year 1
- Annual report autopilot
- 47-signal compliance monitoring
- Year-round protection, cancel anytime
State fees vary by jurisdiction and are passed through at cost. See full pricing →
And this is where most filing companies stop. We're just getting to the part that matters.
Your business is now formed. Let's build everything that comes next.
Formation is one line in a much longer story. Every stage below already lives on one platform, so you're never starting over with a new provider.
Everything above happens inside File.Business: one platform, from your first idea to the day you sell. It's where you form an LLC, and where you run the whole company.
The questions founders ask right before they start.
Which state should I form my LLC in?
If your business operates from one place, your home state is almost always the right answer. Forming in Delaware or Wyoming to "save money" usually backfires: you still have to register and pay a registered agent in the state where you actually work, so you pay twice and file two annual reports. Out-of-state formation earns its keep in specific cases: holding companies and real estate (Wyoming, for privacy and strong charging-order protection) or venture-backed startups (a Delaware C-corporation, not an LLC). Weigh it in our LLC vs. corporation breakdown, and if you'll operate across state lines, read foreign qualification before you choose.
How long does it take to form an LLC?
That's set by the state, not by us. Delaware, Nevada, Wyoming, and Colorado typically approve same-day or next-day; most other states run 5-15 business days for standard processing, and a few slow down at peak filing times. Many states sell expedited handling if you need it faster. We'll give you the realistic window for your state up front and file the moment your details check out, so nothing bounces back over an avoidable error.
What's included, and what does the state charge on top?
Our fee covers preparing and filing your Articles of Organization, a specialist review so it isn't rejected over something fixable, an Operating Agreement template, and an EIN walkthrough. The state charges its own filing fee on top, which varies by jurisdiction: we pass it through at cost with no markup and show the exact amount before you pay. You'll find current pricing for the filing and what each state charges on the pricing page.
Do I actually need an Operating Agreement?
Yes: and not only because California, Delaware, Maine, Missouri, and New York require one. It's the document that proves who owns the company, who can sign, and what happens if an owner leaves, dies, or wants out; without it, your state's default rules make those decisions for you. It's also the first thing a bank or investor asks to see. You can generate one in minutes with our Operating Agreement tool.
Can I be my own registered agent?
Usually yes, if you have a physical street address in the state and you're there during business hours to accept legal mail. Many owners choose not to, for two reasons: the agent's address becomes public record, and a single missed service-of-process notice can turn into a default judgment. A commercial registered agent keeps your home address off the public record and makes sure nothing slips through; if you started as your own agent, switching later is a simple change of agent.
How is an LLC taxed: and should I elect S-corp?
By default an LLC is pass-through: the business itself pays no income tax, and profit lands on your personal return. Once profit is steady, electing S-corp tax treatment can lower self-employment tax: but it adds payroll, a separate return, and a "reasonable salary" requirement, so it's a math decision, not an automatic upgrade. As a rough rule it starts to pay off once net profit is consistently well above a reasonable salary. We can file the election (IRS Form 2553) when the timing actually works for you.
Does my new LLC have to file a BOI (beneficial ownership) report?
As of 2026, most don't. FinCEN's 2025 interim rule removed the federal beneficial-ownership reporting requirement for companies formed in the United States, so a domestic LLC generally has nothing to file federally: ignore older guides that say "file within 30 days." Two cases still matter: entities formed outside the U.S. but registered to do business here, and a handful of states running their own disclosure (New York's took effect in 2026). We track which rule applies to you: see who actually has to file.
Is an LLC really better than operating as a sole proprietor?
If anything could go wrong: a client dispute, an injury, an unpaid vendor: yes. A sole proprietorship gives you no separation: your home, car, and savings are exposed to business debts and lawsuits. An LLC creates that separation and, in most states, adds charging-order protection a sole proprietorship simply can't offer. It also reads as more established to banks, suppliers, and customers, which matters more than founders expect.
Can a non-US resident form a US LLC?
Yes. You don't need to be a citizen or resident, hold a visa, or ever set foot in the country. The one extra step is the EIN: without a Social Security Number, we obtain it for you directly from the IRS, which opens US banking and payment processors like Stripe. If you're an international founder, start with our EIN guide.