What does the Lovie plan include?

Formation is $29 one-time and includes your LLC or C-Corp prepared and submitted, post-incorporation documents (bylaws, operating agreement, stock purchase agreement and more), AI-guided formation, a real-time dashboard, and priority support. Registered agent service with digital mail scan & forwarding is priced separately at $79/year ($49/year in Wyoming). State filing fees are billed separately and paid directly to your state.

Can I really form a company from my IDE?

Yes. Lovie is a Model Context Protocol (MCP) tool — it connects to Claude Code, Cursor, Manus, Replit, or any MCP-compatible editor. You type natural-language commands, answer a few questions, and your LLC or C-Corp is filed. You can also use our open-source CLI: npx create-llc.

How does billing work?

Formation is a one-time $29 charge — no subscription. Registered agent service is billed annually at $79/year ($49/year in Wyoming) and is priced separately. State filing fees are billed separately and paid directly to your state.

Can I trust AI with company formation?

Lovie uses state-verified legal templates — the same standard forms used by traditional filing services. AI handles data entry, validation, and workflow automation — not legal judgment calls. You review and approve every document before submission.

What is the LLC-to-C-Corp conversion?

You launch lean as an LLC, then convert to a Delaware C-Corp when raising VC. LLC-to-C-Corp conversion through Lovie is coming soon.

How long does state processing take?

Delaware typically processes within 1-3 business days. Wyoming often processes same-day. Lovie submits your filing as soon as you approve it — we add zero delays on our end.

No. We automate company formation filings as a technology platform. We handle filings — not legal counsel. Consult a licensed attorney for personalized legal advice.

EIN Evidence for Banking

CP575 vs 147C for US Business Banking

CP575 vs 147C compares two IRS records that confirm an Employer Identification Number at different stages. CP575 is an EIN assignment notice, while Letter 147C confirms an EIN that was previously assigned. A bank's document policy is separate, so founders should verify which evidence the institution currently accepts.

Key entity facts

CP575: IRS EIN assignment or verification notice issued after approval
Letter 147C: IRS confirmation of an EIN previously assigned
Digital option: Eligible Business Tax Account users can download a digital CP575
IRS request line: 800-829-4933 for authorized persons requesting Letter 147C

What is the difference between CP575 and Letter 147C?

CP575 is the IRS EIN assignment notice issued after a successful application. Letter 147C confirms an EIN that was previously assigned when the original notice is unavailable. Eligible Business Tax Account users may also download a digital CP575, but each bank sets its own acceptable-document policy.

Keep the original or digital CP575 with the entity's permanent tax records.
Request Letter 147C from the IRS when authorized and the assignment notice is unavailable.
Ask the chosen bank which EIN evidence, age, format, and address match it requires before applying.

Choose the IRS confirmation route that fits your record

The IRS now describes three ways to confirm an EIN: request an Entity transcript, download a digital CP575 through an eligible Business Tax Account, or call the Business and Specialty Tax Line to request Letter 147C, EIN Previously Assigned. The digital CP575 can substitute for the original notice series and Letter 147C.

If you only need to recover the EIN number, first check the original assignment notice, past business returns, licensing files, and records held by a bank. An authorized person can call 800-829-4933 after those checks. Expect the IRS to verify identity and authority before releasing account information.

Match the EIN record before the bank reviews it

A bank may compare the legal name, EIN, address, formation record, ownership agreement, and beneficial-owner identity. Resolve spelling, suffix, or address inconsistencies before applying. A valid IRS letter does not override an institution's eligibility, supported-country, physical-address, or risk policies.

Lovie keeps formation data and EIN evidence in one founder workflow so the entity record presented to financial partners stays consistent. Account decisions remain with the financial institution, and founders should obtain its current document checklist directly.

Check the legal name and entity suffix against the formation certificate.
Confirm that the IRS address and the bank application address can be explained with supporting records.
Save the EIN document in its original format rather than recreating or editing it.

Know when the EIN becomes usable

The IRS says an EIN can be used immediately for most business needs, including opening a bank account. It may take up to two weeks before the number is available for TIN matching, e-filing, electronic tax payments, and federal tax deposits. That system delay is different from a bank's underwriting timeline.

Founder questions

Can the IRS reissue the original EIN assignment notice?

The IRS provides current confirmation routes rather than promising a duplicate original. Eligible users may download a digital CP575, request an Entity transcript, or request Letter 147C by phone.

Does every bank accept Letter 147C?

No universal acceptance rule exists. The IRS confirms the document's tax-account function, while each financial institution controls its own account-opening evidence and risk policy.

Can I use an EIN immediately after assignment?

The IRS says yes for most business needs, including bank-account applications, but certain electronic and matching systems may need up to two weeks to recognize the number.

Primary sources

Lovie is not a law firm, accounting firm, bank, or tax adviser. This material is general information and does not replace advice for your facts or an institution's current application policy.