Build payment rails, not legal overhead. Form your fintech company with Lovie — LLC or C-Corp formation, EIN, compliance, and registered agent all included.
Mercury, Stripe Treasury, and your seed round all need a properly formed US entity before you go live. Lovie handles formation, EIN, and compliance — so your legal structure isn't the bottleneck.
Your banking partners are waiting on your entity.
You're building the future of finance — why are you stuck on 1990s paperwork?
The problem
$500+ with Stripe Atlas — then $100/yr for registered agent after year one
Weeks waiting for your EIN before you can open banking partnerships or process payments
Attorney fees to structure the right entity for SEC compliance and investor expectations
Separate subscriptions for registered agent, mail forwarding, and compliance
Missing Delaware franchise tax deadlines while you're heads-down building your product
How Lovie solves it
$29/mo — formation, EIN, registered agent, mail, and compliance included
Lovie recommends LLC vs. C-Corp based on your fundraising plans and regulatory needs
Same-day filing so you can start banking partnerships and investor conversations
Lovie tracks your Delaware franchise tax and annual report deadlines automatically
Convert from LLC to C-Corp when you're ready to raise — included at no extra cost
Lovie handles every step. Formation to compliance. Zero surprises.
Entity sorted. Build the product.
Speaks Fintech, Not Just Corporate
Lovie knows why your banking partner needs a Delaware C-Corp, why stock authorization matters for your cap table, and why a lapsed entity can kill a regulatory application.
Speed Matters Here More Than Most
The company that incorporates first starts banking conversations first, begins regulatory filings first, closes rounds first. Lovie forms same-day — not in two weeks.
Compliance That Keeps Up With a Regulated Industry
Banking partners check your standing. Regulators verify your filings. Lovie watches every deadline so your entity status is never the thing holding you back.
Built for founders who want to build their product, not file forms.
Investor-Ready Structure
Lovie recommends the right entity type for your fundraising and regulatory plans. Delaware C-Corp for VC? Wyoming LLC for bootstrapping? One conversation and it's filed.
One Price, No Surprises
$29/mo covers formation, registered agent, mail scanning, and EIN. No year-two registered agent upsell. No surprise compliance fees eating into your runway.
Clean Corporate Structure
Banking partners and investors expect a properly formed entity. An LLC or C-Corp gives you the legal foundation fintech regulators and partners require before they'll work with you.
LLC to C-Corp When You Raise
Start lean with an LLC. When VCs come in, Lovie converts you to a C-Corp with proper stock authorization — included in your plan, no extra legal fees.
Built for Global Teams
Whether you're in San Francisco or Singapore, Lovie forms your US entity remotely. No US address required. Good for distributed fintech teams building for the US market.
Compliance That Doesn't Sleep
Compliance deadlines, franchise taxes, annual reports — Lovie tracks everything and alerts you before anything is due. Focus on your product, not government forms.
Questions about starting your fintech company.
Should my fintech startup be an LLC or a C-Corp?
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.
Why do fintech companies incorporate in Delaware?
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 can form your Delaware entity same-day.
What does the $29/mo include for fintech companies?
Everything: LLC or C-Corp formation filing fees, EIN registration, registered agent service, digital mail scanning, compliance guidance, and a real-time dashboard. No add-ons, no surprise fees. Cancel anytime.
How do I get my EIN to open banking partnerships?
Lovie files your EIN with the IRS once your entity is formed. Processing times vary — domestic founders often get it within days, international founders may take a few weeks. Lovie keeps you updated in real time.
Lovie handles company formation, EIN, and state compliance filings. 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.
Can Lovie convert my LLC to a C-Corp when I raise funding?
Yes. When you're ready to issue equity or bring on investors, Lovie handles the LLC-to-C-Corp conversion — included in your subscription at no extra cost. No separate attorney fees, no extra filings to manage.
I'm a non-US founder building a fintech for the US market. Can I use Lovie?
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.
What about Delaware franchise taxes?
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.