Which LLC service is actually the cheapest?+
ZenBusiness and Tailor Brands both start at $0 plus your state fee, which looks cheapest on paper. But "cheapest" changes once you add a registered agent — Northwest includes one free for the first year, so the real first-year cost often lands close to or below the "free" plans once you add what they're missing.
Do I need a registered agent no matter which service I use?+
Yes — every state requires one regardless of which formation service you use. The difference is just whether it's included in year one or billed as a separate add-on.
Is a $0 LLC formation service actually free?+
The formation filing itself can be free, but you'll still owe your state's filing fee, and most "free" plans upsell a registered agent, EIN filing, or operating agreement as separate paid add-ons.
Can I switch formation services later?+
Yes. Your LLC itself isn't tied to the service that filed it — you can change your registered agent or drop a subscription at any time, it just requires a short state filing to update your agent of record.
Do I need a lawyer instead of a formation service?+
Most single-owner LLCs don't need one — formation is standardized paperwork. A lawyer is worth it for unusual ownership splits, specialized licensing, or if you're raising outside investment.
What is an LLC, and why would I form one?+
An LLC (limited liability company) is a legal structure that separates your personal assets from your business's debts and liabilities. If your business is sued or can't pay what it owes, creditors generally can't come after your house, car, or personal savings — that protection is the main reason people form one instead of operating as a sole proprietor.
How long does it actually take to form an LLC?+
It depends entirely on your state — anywhere from 1 business day (Indiana, Vermont) to 3–4 weeks (Maine). Most states fall in the 1–2 week range for standard processing, and many offer expedited filing for an extra fee if you need it faster.
What's the difference between an LLC and a corporation?+
Both protect your personal assets, but they're taxed and managed differently. An LLC is simpler to run — no required board of directors or annual shareholder meetings — and profits pass through to your personal tax return by default. A corporation has more formal governance requirements and, for a C-corp, faces potential double taxation on profits.
Do I need a separate business license in addition to an LLC?+
Usually, yes. Forming an LLC registers your business as a legal entity with the state, but many cities, counties, and industries require their own separate license or permit to actually operate — the requirements vary widely depending on your location and business type.
What happens if I don't keep up with my LLC's annual requirements?+
Most states require an annual report or franchise tax filing to keep your LLC in good standing. Miss the deadline for long enough, and the state can administratively dissolve your LLC — meaning you lose your liability protection and have to pay to re-form the business from scratch.