FB
File.Business
$0 formation + paid compliance plans starting $99/yr.
3Wins
4.9★8,200+ reviews
220KFormed
Side-by-side comparison
Lower RA · self-serve UX
File.Business vs Swyft Filings.
Swyft Filings is a fast LLC formation service with multiple processing speed tiers. File.Business is a full business operating system with ongoing compliance, tax CPA network, contracts, and operator depth.
$0
Formation
vs Swyft $0 + add-ons
$149
RA/year
vs $149-$200
Self-serve
UX
vs phone-sales heavy
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 Swyft Filings
3 of 4 dimensions where File.Business is the stronger choice. Below: the line-by-line comparison.
SW
Swyft Filings
$0 + state
1Wins
, Public reviews
, Customers
DimensionFile.BusinessSwyft Filings
Formation cost$0 + state$0 + state
Annual reportsAuto-filedAdd-on
Compliance dashboardFullBasic
Customer supportPhone + chatChat
The summary: Swyft Filings leads with formation speed and price tiers. File.Business leads with operator-stack depth. Pick Swyft if formation-only; pick File.Business if you want long-term operator infrastructure.
File.Business strengths
- Full business operating system not just formation.
- Partner CPA + attorney network.
- BOI filing included in formation.
- 349-term glossary, 50+ guides, learning center.
- Industry verticals across 15 specialized solutions.
Swyft Filings strengths
- Multiple processing speed tiers including same-business-day.
- Lower entry pricing starting around $49.
- Trademark registration service.
- Annual report filing service.
Who picks which
Find your fit.
Pick Swyft Filings if
- You want the fastest possible formation with no other services.
- You are price-shopping pure formation.
- You have an LLC ready to file and want speed above all.
Pick File.Business if
- You want ongoing tax, compliance, contracts, and operator infrastructure.
- You will need CPAs and attorneys for follow-up work.
- You are an operator who wants entity hygiene managed long-term.
Feature comparison
Side-by-side.
| Feature | File.Business | Swyft Filings |
|---|---|---|
| Starter pricing | $0 + state fee | $49 + state fee |
| Same-day filing | Coming Sprint 4 | Yes |
| Tax CPA network | Specialty-matched partners | None |
| Attorney network | Specialty-matched partners | None |
| Ongoing compliance | Full federal + state | Basic |
| BOI filing | Included | Add-on |
| Books/finance integration | Built-in via Growth tier | None |
| Cap table tools | Yes | None |
| Glossary + learning center | 349 terms + 50+ guides | Blog |
| Free legal forms | 25+ templates | Limited |
| Restricted industries policy | Explicit AUP | Not specified |
FAQ
Common questions.
Which is faster?
Swyft Filings markets same-business-day. We are adding that tier Sprint 4.
Which is cheaper?
We start at $0; they start at $49.
Which is better for ongoing operations?
File.Business - we are an operating system, they are formation only.
Can I switch?
Yes. Update registered agent and state filing.
Do they offer CPAs?
No.
Do they offer attorneys?
No.
Best for international founders?
File.Business has dedicated international founder content.
Best for funded startups?
File.Business - we have C-Corp focused content and cap table tools.
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.