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SolutionFreelancers are sole proprietors by default. One bad client contract, one IP claim, one personal-liability lawsuit can reach your savings. An LLC ends that exposure.
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For freelancers and 1099 contractors
Built for Freelancers · all 51 jurisdictions

Freelance with structure. And keep your weekends.

Freelance developers, designers, writers, and project-based contractors usually stay sole proprietors too long. We move you to an LLC for liability protection, set up business banking and contract templates, time the S-Corp election to your income, and connect you to a specialty CPA. Total time: about 5 minutes to start.

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31,000+
Freelancers served
~$60k
S-Corp threshold
200+
Contract templates
Free
E-signature
Why freelancers pick File.Business

Built around how freelancers actually operate.

Three things you will not get from a generic formation site.

01

S-Corp election when ready

Save self-employment tax once your net hits the threshold. We file Form 2553.

02

Liability shield

LLC means a contract dispute hits the business, not your savings.

03

Accounting partner discount

Referral discount with a bookkeeper who specializes in 1099 / freelance income.

How we set freelancers up

From sole prop to scalable practice.

01
LLC formed

Form in home state. EIN issued same day. BOI filed.

Day 0
02
Banking + invoicing

Business bank account opened. Stripe connected. Branded invoices.

Day 1
03
Contract templates

MSA, SOW, NDA, engagement letter customized to your practice. Loaded into e-signature system.

Week 1
04
Client migration

Existing clients invoiced through new LLC. W-9 sent to clients with new EIN. Recurring contracts updated.

Week 1
05
S-Corp election

Form 2553 filed. Payroll service started for owner-employee salary. Distributions cover the rest.

At ~$60k profit
06
Tax CPA + planning

Specialty-matched CPA handles federal + state returns and quarterly estimated payments.

Annual
In their own words

How customers like you use the platform.

"I tracked 80 clients in Notion until it broke. CRM auto-pulled my email history; suddenly I could see who I had not followed up with in three months."
HG
Henry GoldsteinGoldstein Consulting (strategy)
"S-Corp election in year two saved $11,400 in self-employment tax. We file Form 2553 once and the savings compound."
MP
Maya ParkPark Brand Studio (designer)
"I used to pay my lawyer $400 per NDA. Templates handle 90% of cases. Saved $4,000 last year alone."
CR
Carlos ReyesReyes Web Studio (freelance dev)
FAQ

Frequently asked questions.

When should a freelancer form an LLC?
As soon as you have any client contract, any meaningful income, or any personal assets to protect. Sole prop has no liability shield; one client lawsuit can reach your home, car, savings.
When should I elect S-Corp?
When net profit (after expenses, before owner pay) crosses about $60-80k annually. Below that, the payroll service complexity (~$40/mo) is not worth the SE tax savings. Above that, S-Corp typically saves $4-15k/year.
Do I need a separate business bank account?
Yes. Commingling personal and business funds can pierce the LLC liability shield in court. Plus your books are impossible to reconcile.
How does S-Corp save tax for freelancers?
Default LLC: self-employment tax (15.3%) applies to all net profit. S-Corp: SE tax applies to your "reasonable salary" only; remaining distribution is exempt. At $120k profit with $60k salary, savings are about $7,768/year.
What contracts do freelancers actually need?
MSA (Master Service Agreement) for ongoing client relationships, SOW (Statement of Work) for specific projects, NDA for confidential information, engagement letter for short-term work. We include templates.
Can I work for clients in multiple states?
Yes. Generally no foreign qualification needed unless you have a physical office or employees in those states. Multi-state W-2 income may have state-tax implications.
Should I be an LLC or a sole proprietor?
LLC for almost all real freelance work. Sole prop is fine for trivial side income with no liability exposure (essays you sell, occasional small commissions, no contracts).
How do I handle quarterly estimated taxes?
Make federal quarterly payments via Form 1040-ES by April 15, June 15, September 15, January 15. Our partner CPAs handle the calculation and quarterly reminders.
What if I am a 1099 contractor for one client only?
Worker classification matters. If your "1099 client" controls how, when, and where you work, you may legally be a W-2 employee. See our 1099 vs W-2 guide.

Form your freelance LLC.

Tell us a few details. We file with the state, obtain your EIN, and set up the bundle.

File.Business does not service cannabis, adult-content, or firearms industries. See our Acceptable Use Policy.

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How it works

How we deliver, end-to-end.

Four-step path from request to confirmation. State and IRS turnaround varies; our steps run in parallel where possible to compress the timeline.

1

Intake + scope

You tell us what you need through a short intake form (or a call for complex matters). We confirm scope, surface any gating issues (deadlines, missing documents, entity status), and quote any state fees that pass through at cost.

2

Prepare + verify

Our specialists draft the filing, verify entity details against state databases, run internal QA, and route any items needing your sign-off. You see drafts before anything gets submitted.

3

File with the authority

We submit directly to the state Secretary of State, FinCEN, IRS, USPTO, or whichever authority your filing requires. We pay state fees at cost and track the submission identifier in your account.

4

Confirmation + vault

Stamped certificate, IRS notice, or filing receipt arrives in your SOC 2 encrypted document vault the moment we receive it. Next filing deadline auto-added to your compliance calendar where applicable.

Start your business in the next 5 minutes.

No state-fee markup. Pay only the state fee. 60-day money-back guarantee.

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