How to Get an EIN for Your LLC in Guide for Founders

Get an EIN for your LLC free from the IRS: online with an SSN, or by fax/mail with Form SS-4 without one. Step-by-step instructions for US and non-US founders.

By Omer Aydin · 2026-06-06

You get an EIN for your LLC directly from the IRS, for free — there is never a government fee. If you have an SSN or ITIN, apply through the IRS online EIN assistant and receive the number at the end of the session. If you don't (most non-US founders), submit Form SS-4 by fax or mail, which the IRS advertises at roughly four business days for fax and four to five weeks for mail, though real-world fax turnaround often runs one to two weeks.

Here is exactly how to apply through each route, what the SS-4 asks, and the mistakes that delay applications.

What an EIN is and why your LLC needs one

An Employer Identification Number is a nine-digit federal tax ID — your company's equivalent of a Social Security number. Despite the name, you need one even with zero employees. It is required (or effectively required) for:

  • Business bank accounts — every US bank and fintech (Mercury, Brex, Relay) asks for it
  • Payment processors — Stripe, PayPal, Square, Amazon
  • Federal tax filings — returns are filed under the EIN
  • Hiring — payroll, W-2s, contractor 1099s
  • Business credit — bureaus track your company under its EIN

Apply after your state approves the LLC formation, so the legal name and date on the SS-4 match state records.

The three application routes (2026)

RouteWho can use itCostTypical timeline
Online (IRS EIN Assistant)Responsible party has SSN or ITIN$0Issued at the end of the session
Fax (Form SS-4)Anyone, including non-residents$0~4 business days advertised; often 1–2 weeks
Mail (Form SS-4)Anyone$0~4–5 weeks

International applicants can also call the IRS international line (+1-267-941-1099, not toll-free) to apply by phone with a completed SS-4 in hand.

Route 1: Online (founders with an SSN or ITIN)

Step 1: Confirm you qualify

The online tool requires the responsible party — the individual who controls the entity — to have an SSN or ITIN. The responsible party must be a person, not a company, and the IRS limits each responsible party to one EIN per day.

Step 2: Complete the application in one session

The IRS online assistant is open during limited hours (US business hours, Monday–Friday) and a session expires after 15 minutes of inactivity — you cannot save and resume. Have ready: the LLC's exact legal name as filed, formation state and date, business address, and your SSN/ITIN.

Step 3: Save the confirmation letter

The tool issues your EIN immediately and generates the CP 575 confirmation letter as a PDF. Download it on the spot — the IRS does not reissue the CP 575, and banks ask for it. If you ever lose it, you can request a replacement verification letter (147C) by phone.

Route 2: Fax with Form SS-4 (non-residents and everyone else)

Step 1: Fill out Form SS-4

Key lines for a non-resident single-member LLC:

  • Line 1: LLC's exact legal name as filed with the state
  • Line 4a–b: Mailing address (can be outside the US)
  • Line 7a–b: Responsible party's name; if you have no SSN/ITIN, write "Foreign" on line 7b
  • Line 8a: Check "Yes" for LLC and enter the number of members
  • Line 9a: Entity tax classification — a single-member LLC is typically a "disregarded entity"; multi-member defaults to partnership
  • Line 10: Reason — usually "Started new business"
  • Line 18: Whether the entity has applied for an EIN before

Step 2: Fax it to the IRS

Use the SS-4 fax number for your situation listed in the current IRS instructions (there are separate numbers for US-based and international applicants). Include a return fax number — that is how the IRS sends the EIN back.

Step 3: Receive the EIN by return fax

The IRS advertises about four business days; expect one to two weeks in practice. The returned SS-4 with the EIN written on it serves as your proof until the CP 575 letter arrives by mail.

Common mistakes that delay or break applications

  • Applying before the state approves the LLC. Name or date mismatches between the SS-4 and state records cause rejections.
  • Paying a "government fee." Any fee charged for an EIN is a service charge, not an IRS fee. The IRS never charges.
  • Using a company as the responsible party. The responsible party must be an individual who controls the entity.
  • Losing the CP 575. Store it with your formation documents; banks ask for it years later.
  • Confusing EIN with state tax IDs. The EIN is federal. States issue separate IDs for sales tax and payroll withholding — you may need both.
  • Confusing EIN with ITIN. An ITIN is a personal tax ID for individuals not eligible for an SSN; an EIN belongs to the business. A non-resident founder may eventually need both, but the LLC's bank account and Stripe need the EIN.

Where the EIN fits in the formation sequence

  1. Form the LLC with the state (Wyoming or Delaware guides)
  2. Receive approved Articles / Certificate of Formation
  3. Apply for the EIN
  4. Open the business bank account
  5. Connect payment processing

Each step depends on the previous one, and the EIN sits in the middle of everything — which is why a stalled EIN application stalls the whole launch.

Frequently Asked Questions

How much does an EIN cost in 2026?

$0. The IRS issues EINs free through every route — online, fax, mail, and phone. Companies that charge for an EIN are charging for preparing and submitting the application on your behalf.

Can I get an EIN without an SSN?

Yes. Complete Form SS-4, write "Foreign" on line 7b instead of an SSN, and submit by fax or mail (or by phone via the IRS international line). No SSN, ITIN, or US address is required for a US LLC to receive an EIN.

How long does it take to get an EIN?

Online: issued during the application session. Fax: about four business days per the IRS, commonly one to two weeks in practice. Mail: four to five weeks. The online route requires the responsible party to have an SSN or ITIN.

Can I open a US bank account with just an EIN?

The EIN is necessary but not sufficient — banks also verify the LLC's formation documents and the owner's identity (passport for non-residents). Fintech platforms like Mercury onboard non-resident founders remotely; traditional branches often require an in-person visit.

What is the difference between an EIN and an ITIN?

An EIN identifies a business entity; an ITIN identifies an individual who needs to file US taxes but is not eligible for an SSN. Your LLC needs an EIN. You personally may or may not ever need an ITIN, depending on your US tax situation.

Does a single-member LLC with no employees need an EIN?

Technically a disregarded single-member LLC owned by someone with an SSN can sometimes use the owner's SSN for federal tax purposes — but in practice you need the EIN anyway for banking and payment processors, and using an EIN keeps your SSN out of business paperwork.

My LLC's name changed — do I need a new EIN?

Usually not for a simple name change; you notify the IRS in writing. You generally need a new EIN when the entity's structure changes — for example, a sole proprietorship incorporating, or an LLC electing to become a corporation in certain cases.

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