FB
File.Business
$0 formation + paid compliance plans starting $99/yr.
1Wins
4.9★8,200+ reviews
220KFormed
SMB
Friendly UX
vs enterprise-only
$99
Annual Report
vs Harbor custom quote
Self-serve
Onboarding
no sales call
51
Jurisdictions
same coverage
SOC 2 Type II · 2025 report
4.9 · 8,200+ reviews
E&O Insured · carrier on request
51 Jurisdictions
220,000+ Formed
File.Business vs Harbor Compliance
1 of 4 dimensions where File.Business is the stronger choice. Below: the line-by-line comparison.
HA
Harbor Compliance
Custom enterprise
1Wins
, Public reviews
, Customers
DimensionFile.BusinessHarbor Compliance
AudienceSolo to enterpriseMid-market+ only
PricingTiered + transparentCustom quote
RA feeIncluded$99-$150/state
Multi-state focusYesYes
The summary: Harbor Compliance is the compliance specialist for nonprofits, multi-state expansion, and licensed professions. File.Business offers similar compliance depth integrated with formation and broader operator services.
File.Business strengths
- $0 starting formation (Harbor is compliance-focused, not formation-led).
- Full operator stack: tax, contracts, books, banking.
- Industry verticals + 349-term glossary.
- 25+ free legal forms.
- Specialty CPA + attorney partner network.
Harbor Compliance strengths
- Deep multi-state compliance specialization.
- Comprehensive charitable solicitation registration.
- Professional licensing for architecture, engineering, contractor firms.
- Established brand with nonprofit and regulated industries.
- White-glove compliance management.
Who picks which
Find your fit.
Pick Harbor Compliance if
- You are a nonprofit needing charitable solicitation registration in 39+ states.
- You are in a regulated profession (architecture, engineering, contractor, legal) needing complex licensing.
- You are scaling into many states and need active compliance management.
Pick File.Business if
- You want formation + ongoing operator infrastructure in one place.
- You want lower starting price.
- You value calculators, guides, and self-service.
- You are a startup or small business outside heavily regulated industries.
Feature comparison
Side-by-side.
| Feature | File.Business | Harbor Compliance |
|---|---|---|
| Starter pricing | $0 + state fee | $$ packages |
| Entity types | LLC, Corp, Nonprofit, S-Corp | All including nonprofit |
| Charitable solicitation | Coming Sprint 3 | Comprehensive |
| Professional licensing | Coming Sprint 3 | Comprehensive |
| Multi-state foreign qualification | Yes | Strong |
| Tax CPA network | Specialty-matched | Limited |
| Attorney network | Specialty-matched | Limited |
| Books/finance | Built-in via Growth | None |
| Glossary + learning | 349 terms + 50+ guides | Comprehensive compliance guides |
| Restricted industries | Explicit AUP | Not specified |
FAQ
Common questions.
Which is cheaper?
File.Business starts $0.
Which has more compliance depth?
Harbor Compliance for nonprofits and regulated professions.
Which has more operator services?
File.Business - banking, books, contracts.
Best for nonprofits?
Harbor for compliance; we for formation + ongoing.
Best for licensed professionals?
Harbor currently; we are building parity in Sprint 3.
Best for startups?
File.Business.
Can I use both?
Yes. Some operators use Harbor for compliance and File.Business for formation + operations.
Best for funded startups?
File.Business.
Try File.Business.
$0 service fee on formation. 60-day money-back guarantee. Cancel anytime.
$129/yr Compliance Annual Filings · penalty-free
On the $129/yr Compliance Annual Filings plan, we cover state late fees.
When you autofile your annual report through the $129/yr plan and we miss the deadline, we pay the state's late fee. The guarantee applies to that specific plan and the filings it includes. Other File.Business services are billed at the prices on this page.