Incfile | Reviews by SmallBizGenius

Pros:

  • pros Free filing service
  • pros Great reputation
  • pros Special offers
  • pros Lifetime company alerts
  • pros Free registered agent services for one year
  • pros Expedited filing option
  • pros Responsive customer service

Cons:

  • cons No lawyer consultations
  • cons Cancellation fee
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Score: A+

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About the Company

Incfile is a company that knows how to attract the attention of its potential clients – through the heavy use of the word “free” in its offer. The company has managed to fight its way through the competition and find itself at the top. However, is that just a clever marketing trick, or do you actually get a free service that works?

As far as basic service is concerned, Incfile delivers. The company will help you prepare and file the documents necessary for LLC formation and only charge you with the state filing fees. Incfile reviews on the web confirm the service works as promised and your paperwork gets processed in one business day. Basic documentation, LLC tax consultation, and special offers fall under the free Silver package. If you want more than that, you’ll have to opt one of the more advanced plans.

Incfile was founded in 2004 and has over 250,000 companies under its belt. With an A+ score at BBB and an excellent 4.3 rating at TrustPilot, the company’s established reputation says a lot about the quality of its services. 

In our comprehensive Incfile review, we are going to cover all of the packages, pointing out the best value in each of them. We’ll describe the application process so you’ll know exactly what you’re getting yourself into, and we’ll share some insight from the numerous user reviews online. Finally, we’ll give you a short and to-the-point comparison with some of the competition to make sure you’re not missing out on anything good. Take a look.

Packages

Incfile has a really unique approach to its packages in that one of them is practically a free demo of the company’s services. It is a great marketing move that drew in hundreds of customers through the promise of Incfile free business formation. There are three packages to choose from – Silver, Gold, and Platinum. Here is what they entail.

Silver package – $0 + filing fees

It’s normal to be wary of free things. Why would the company give away its services for free when it could charge you for them? Well, the answer lies in the subscriptions and links to other packages. With the Silver bundle, you get a free year of registered agent services that afterwards turns into a $119 annual subscription. Thanks to the Incfile Bank of America partnership, you will be eligible to get an exclusive offer for a business account.

There are plenty of features within the Incfile Silver package that will make it worth your while. However, the fascinating part of the offer is the next-day processing that comes free of charge. Naturally, this is in-house processing and doesn’t ensure fast LLC formation as it depends solely on the state you’re in. Either way, it’s commendable that the company considers every application a priority even with the most basic package.

Here is a list of features included:

Preparing & Filing the Articles of Organization – This is the basic service and the first step towards Incfile LLC formation. The company’s specialists help you fill out the forms, and review and send them to the state officials

Unlimited Name Availability Searches
Incfile goes through the database to make sure your name is unique and helps you come up with alternatives if it’s not.

Statement and Resignation of the Organizer – An integral part of the filing bundle used for creation of business checking accounts.
Online Document Access and Order Tracking – The user-friendly Incfile dashboard gives you insight into all of the filed documents and lets you keep track of your order.

Business Tax Consultation – The package includes a free 30-minute discussion with the company’s tax professional. According to various Incfile customer reviews, this is plenty of time to cover some initial concerns you’ll stumble upon.

Lifetime Company Alerts – Incfile will send you phone and email notifications so you don’t miss any important filing dates.
Business Banking Account – You will need a business banking account at some point so you might as well take advantage of Incfile’s special deal with Bank of America.

Registered Agent Services – Pretty much all US states require you to appoint a registered agent to handle your paperwork and give your company a physical address. Incfile registered agent services are free for the whole year after which you’ll need to pay $119 per year.

Business Website – A collaboration with a company called Snapweb resulted in the inclusion of a custom business site in the offer. Note that this service isn’t free – there might be some additional charges like the $20 monthly hosting fee.

Gold package – $149 + filing fees

The Incfile Gold package gives you another set of essentials but, this time, for a regular price of $149. Obviously, it’s not easy jumping from a free service to the Gold bundle, but it’s still great value for your money. The Incfile EIN alone will cost you an additional $70 with the basic plan and that’s something you have to obtain either way. The same goes for the operating agreement and the banking resolution.

One element you could probably do without is the Gold Kit – $99-worth of personalized binders, cases, and stock certificates. It is included in the Gold package but isn’t worth the trouble if you only want the Silver option.

Here is a breakdown of the additional features (Which all come free of charge with the Gold package). We included the individual price of each service in case you want to add it to one of the other packages.

Employer Identification Number You need the EIN (also called Federal Tax Identification Number) to report taxes with the IRS.

Operating Agreement – The package also contains an Incfile custom operating agreement that defines your entire LLC system.

Banking Resolution – Another important document that lets you open a business banking account and set up authorizations.

IRS Form 2553 Incfile can help you prepare and file this form so your LLC can be treated as an S-corporation and you can enjoy some better tax options.

Gold Kit – Honestly, this is just a collection of personalized items – binders, cases, printed formation documents, and stock certificates.

Express shipping – Your completed documents will be mailed within one to three business days.

Feature

Price Outside of Package

Employer Identification Number

$70

Operating Agreement

$40

Banking Resolution

$35

IRS Form 2553

$50

Gold Kit

$99

Express shipping

$25

Platinum package – $299 + filing fees

The third and most expensive package only has a few more features. However, according to various Incfile reviews on the web, most users opt for this package because of the expedited filing time and collection of contract templates. In some states, the entire formation process can be done within a day. If you’re in a rush and don’t mind paying a little more, this is an excellent opportunity to get it all in one place.

The greatest value of the Incfile Platinum package is its collection of business contract templates valued at $150. Within this package you can also get the Platinum kit (which is almost the same as the Gold kit) and a free domain name for one year.
Here are all of the individual features:

Business Contract Templates – The reason why this is the most expensive of the Incfile packages is the inclusion of over 25 business contract templates. Considering the usual lawyer rates, this is a bargain.

Free Domain Name and Email Service – As always, whenever someone says free, you should read the fine print first. These services are free for the first year. After that, you’ll need to renew or cancel.

Platinum Kit – This is exactly the same bundle as the Gold kit except that you also get another case and an embossing seal.
Expedited LLC Filing Time – The great thing about this feature is that it can be combined with any other plan for an additional $50. The company gets extra points in our Incfile LLC review for these customization options.

Feature

Description

Business Contract Templates

$150

Expedited LLC Filing Time

$50

LLC Application Process

On-site application

Incfile’s site design is a bit all over the place. There are numerous promotional statements charging at you from all sides but thanks to the simple color scheme, it’s not difficult to find your way around. In order to start your application, you need to click on one of the many bright orange buttons on the page. After that, you need to choose the type of company you want to form (LLC, C-corporation, S-corporation, non-profit) and your desired state. After you select one of the three main packages, you will fill out a basic form with your name, email, phone, and address.

In order to gain access to your dashboard, you will use your email address and the number of your order. Essentially this works like a password for your Incfile login so make sure not to share it with anyone. The application only lasts a couple of minutes and afterwards you can keep track of its progress through the user-friendly dashboard.

LLC formation times by state

Both the Silver and Gold packages use standard filing procedures that can be expedited for an additional $50. This is included free of charge in the Platinum package. Check out all of the Incfile filing times per state to see the difference.

State

Standard State Filing Time

Expedited State Filing Time

Alabama

4 weeks

4 business days

Alaska

5 business days

1 business day

Arizona

4 weeks

12 business days

Arkansas

7 business days

2 business days

California

15 business days

5 business days

Colorado

5 business days

1 business day

Connecticut

12 business days

4 business days

Delaware

15 business days

6 business days

Florida

15 business days

5 business days

Georgia

15 business days

2 business days

Hawaii

10 business days

2 business days

Idaho

4 weeks

15 business days

Illinois

2 weeks

1 business day

Indiana

7 business days

1 business day

Iowa

4 weeks

10 business days

Kansas

5 business days

1 business day

Kentucky

1 week

2 business days

Louisiana

20 business days

8 business days

Maine

4 weeks

15 business days

Maryland

2 weeks

3 business days

Massachusetts

5 business day

1 business day

Michigan

15 business days

8 business days

Minnesota

5 business days

1 business day

Mississippi

5 business days

1 business day

Missouri

10 business days

3 business days

Montana

8 business days

1 business day

Nebraska

9 business days

2 business days

Nevada

3 weeks

2 days

New Hampshire

15 business days

5 business days

New Jersey

5 business days

1 business day

New Mexico

10 business days

2 business days

New York

5 business days

1 business day

North Carolina

5 weeks

14 business days

North Dakota

6 weeks

4 weeks

Ohio

3 weeks

7 business days

Oklahoma

1 weeks

3 business days

Oregon

7 business days

2 business days

Pennsylvania

4 weeks

10 business days

Rhode Island

5 business days

1 business day

South Carolina

7 business days

2 business days

South Dakota

5 business days

1 business day

Tennessee

5 business days

1 business day

Texas

1 week

2 business days

Utah

15 business days

8 business days

Vermont

10 business days

3 business days

Virginia

5 business days

1 business day

Washington

15 business days

5 business days

Washington, D.C.

3 weeks

4 business days

West Virginia

5 weeks

15 business days

Wisconsin

5 business days

1 business day

Wyoming

5 business days

1 business day

User Reviews & Ratings

Before you provide personal information to websites like this, you need to make sure they are legitimate and reliable. You can do that by checking their scores on authoritative platforms like Better Business Bureau and TrustPilot, but also by reading through online user reviews. Of course, you should be cautious with remarks offered by unverified users because they can sometimes be purposefully misleading or just too subjective.

Incfile reviews on BBB

Incfile has the best possible BB score – A+. This includes various aspects of the company’s practices but also takes into account user complaints and remarks. At the moment, Incfile has 38 complaints on the platform and all of them are either answered or completely resolved. These comments give you great insight into the company’s attitude towards its clients and, so far, Incfile has displayed highly professional conduct. The reviews on the site often praise email correspondence and response times.

Incfile reviews on TrustPilot

TrustPilot has way fewer Incfile reviews than BBB but they are mainly positive, averaging at a rating of 4.3. It appears that praising customer support is a recurring subject in these reviews. Almost all of the user comments touch on this, and single out a specific person they were in contact with. But, a couple of strongly-worded negative reviews complained about the customer service, so there might be a few bad eggs there.

Comparisons

How does Incfile compare to some of the most popular LLC formation companies right now? Let’s take a look.

Incfile vs LegalZoom

One of the first and biggest differences between the two companies is the broadness of the offer. Incfile is mainly concerned with setting up a business and doing the paperwork while LegalZoom offers a wide range of legal services. However, since we’re only interested in finding the best rated online LLC formation service, broadness isn’t really a factor here. The cost of the basic LegalZoom package is $79, which is quite affordable but can’t match Incfile’s free service. The cost of registered agent services is almost twice what you would pay at Incfile. LegalZoom has a slightly better reputation with over 2 million companies set up and nearly 20 years of experience. Whether it’s worth the higher cost is up to you.

Incfile vs ZenBusiness

ZenBusiness seems quite affordable at $49 a year but it just can’t compete with Incfile’s free service. Both companies give you a lot of features in the basic package but Incfile has special deals with Bank of America and SnapWeb for creation of a business bank account and website, respectively. Although ZenBusiness has made a lot of progress since its creation in 2015, Incfile is still a much more experienced company with a quarter of a million successful formations. The turnaround times are also better with Incfile and don’t depend that much on the package you choose.

Similar products/software

Conclusion

At the end of our review, it’s time to look back and answer the summarizing question – is Incfile legit? Based on numerous reviews on reputable websites, it’s fair to deduce that it’s a reliable, trustworthy company that offers great value services. The free basic package is a great introduction to Incfile’s philosophy and really delivers on its promise. With customizable options, you can choose what works best for you and get the most out of what you’re paying for. We recommend you contact Incfile and enjoy the praised customer support.

FAQ

How do I cancel Incfile?

If you want to ask for an Incfile refund, you need to do it before they send your documents to the state. You will be charged a $30 cancellation fee and any other expenses that might have occurred. To do it, just contact the customer support team and ask for a cancellation.

Where is Incfile located?

Incfile is headquartered in Houston, Texas. It was founded in 2004 and currently has about a dozen employees. Since its inception, it has formed over 250,000 incorporations.

Is Incfile reputable?

If you check out the Incfile reviews on websites like Better Business Bureau and TrustPilot, you’ll see that the company has an excellent score on both platforms. You can also find individual reviews on the web to see the most common complaints and problems users have.