Your banking partners are waiting on your entity.

If you plan to raise venture capital, a Delaware C-Corp is what VCs expect — it's built for preferred stock and SAFE notes. If you're bootstrapping or still testing an idea, a Wyoming or Delaware LLC is simpler and more tax-flexible. Lovie walks you through the tradeoffs based on your specific plans.

Delaware has the most business-friendly court system in the US, well-established corporate law, and is the default for VC-backed companies. Investors, banking partners, and regulators all know Delaware law. Lovie submits your Delaware filing the moment you approve it.

LLC or C-Corp formation service, digital mail scanning, compliance guidance, and a real-time dashboard. State filing fees are paid separately, directly to your state. Registered agent service is $79/yr ($49/yr in Wyoming), priced separately. No surprise fees. No subscription.

Financial regulatory compliance — SEC registration, FinCEN reporting, money transmitter licenses — depends on your specific product and is handled separately. Lovie gets your entity formed so you can turn your attention to regulatory approvals.

Conversion support is coming soon. When you're ready to issue equity or bring on investors, Lovie will guide the LLC-to-C-Corp process — from paperwork to stock authorization — so your entity is ready for the round.

Yes. Many international fintech founders form Delaware C-Corps through Lovie. You don't need a US address, SSN, or to visit the US. Lovie handles everything remotely.

Delaware requires an annual franchise tax and report. Lovie tracks these deadlines and alerts you before they're due — so you don't get hit with late penalties. It's easy to miss; Lovie makes sure you don't.

Stripe Atlas charges hundreds of dollars upfront and only covers registered agent for the first year — it charges extra per year after that. No mail scanning, no ongoing compliance guidance. With Lovie, state filing fees are paid separately, directly to your state.

Yes. Some fintech founders create separate entities for different product lines or regulatory requirements. Lovie can form as many entities as you need — each formation is charged once ($29 per entity). Just ask about the best structure for your situation.

Start with entity type, state, ownership, registered agent, and tax ID sequencing. Lovie guides founders through the filing flow, prepares the state submission, and keeps the next banking and compliance steps visible.

Most partners want a real legal entity with clear ownership, a tax ID, a registered agent, and consistent records. Some payment programs also review business model, compliance posture, and beneficial ownership before account approval.

Entity formation is the starting point, not a substitute for product-specific regulatory work.

Delaware is the preferred state for incorporating a fintech startup because its corporate laws provide unmatched predictability for investors and venture capital firms. The state's specialized Court of Chancery handles complex business disputes efficiently, which is critical for companies navigating strict financial regulations. Lovie streamlines the Delaware C-Corp formation process, ensuring your financial services firm meets all investor requirements from day one.

The Corporate Transparency Act requires new financial services companies to disclose their beneficial ownership information to FinCEN shortly after formation. This federal mandate aims to combat money laundering and illicit finance, making compliance non-negotiable for any fintech platform. Establishing a robust reporting framework early on protects your entity from severe penalties and operational disruptions.

Yes, a non-US founder can launch a financial technology company in the United States without needing a visa or physical address initially. Lovie provides international founders with the necessary infrastructure to form their US entity and navigate complex cross-border financial regulations.

The best alternative to Stripe Atlas for fintech founders is a platform that offers deeper legal customization and ongoing compliance support rather than just basic incorporation. Financial startups often require tailored operating agreements, cap table management, and specific regulatory filings that standard templates cannot provide. Choosing a specialized formation service ensures your company is built to handle the rigorous demands of the financial sector.