FB
File.Business
$0 formation + paid compliance plans starting $99/yr.
3Wins
4.9★8,200+ reviews
220KFormed
Head-to-head comparison
$442 saved over 3 years on the same services
File.Business vs ZenBusiness: more platform, fewer add-on gates.
ZenBusiness reset the bar on entity formation pricing in the late 2010s. File.Business goes further: $0 service fee on formation (vs their $0 tier with upsells), and a real operating platform that includes books, payroll, e-signature, and a real document vault instead of charging extra for each.
Pay only the state fee
60-day money-back
Free migration
ZenBusiness
Aggressive entry pricing with paid feature gates above the starter tier.
vs
File.Business
$0 formation plus a real operating platform with most things included.
$0
Formation
vs ZenBusiness $0 + Starter
$149
RA/year
vs $199/yr
$99
Annual Report
vs $199
$442
Saved
over 3 years
SOC 2 Type II · 2025 report4.9 · 8,200+ reviewsE&O Insured · carrier on request51 Jurisdictions220,000+ Formed
File.Business vs ZenBusiness
Compared across the seven dimensions that matter to a US founder: pricing transparency, compliance automation breadth, international-founder support, API and builder access, customer support depth, brand recognition, and mobile experience. File.Business leads on the first four; ZenBusiness leads on venture-backed marketing reach, real customer-photo library, refined mobile UX. The full line-by-line breakdown is below.
ZE
ZenBusiness
$199/yr
2Wins
, Public reviews
, Customers
DimensionFile.BusinessZenBusiness
Formation cost$0 + state$0 + state
Registered agent year 1IncludedIncluded
Annual reportsAuto-filed in 51 jurisdictionsAdd-on
Penalty-free guaranteeYes (Pro+)No
Compliance dashboardFullLimited
Pricing transparencyFlat tieredUpsell flow
The short version
When each one is the right pick.
Pick ZenBusiness if
You want a brand name people recognize and you do not mind paying for it.
- You only need formation today and nothing else.
- You are comfortable navigating multiple paid tiers.
- Their interface and brand resonate with you.
- Pricing in year two is acceptable to you.
Pick File.Business if
You want honest pricing, a real platform, and a single bill for everything.
- You want most platform features included, not gated.
- You want to add services without re-evaluating a tier.
- You want $0 ongoing on Starter, with a transparent ramp.
- You want banking, books, and payroll on one platform.
Feature by feature
Every category that matters.
| ZenBusiness | File.Business | |
|---|---|---|
| Formation | ||
| LLC formation service fee | $0 to $349 + state fee | $0 |
| State filing fee | pass-through | pass-through, at cost |
| EIN obtained for you | $99 add-on | available as add-on or included on Growth |
| Operating agreement | sometimes paid | included |
| BOI report filing | ~$149 add-on | available as add-on or included on Growth |
| Ongoing services | ||
| Registered Agent, first year | $199 to $249/yr after year one | free year 1 |
| Annual report monitoring | paid | included |
| Compliance calendar | limited | every state, federal, local |
| Multi-state foreign qualification | paid | available, single workflow |
| Platform features | ||
| Custom-domain email | no | included on Growth |
| Document vault, encrypted + audit-trailed | no | free on every plan |
| Books and finance tool | no | free on Growth |
| E-signature | add-on | free |
| Mobile app + desktop apps | limited | web, with native mobile in development |
| Support | ||
| Real human specialists | tiered | on every plan |
| Phone support | limited hours | Mon to Fri, 8 am to 8 pm ET |
| Live chat | paid tier | every plan |
| Dedicated specialist | enterprise tier | on Scale |
| Trust + transparency | ||
| Pricing transparency | tier-locked | flat, posted |
| SOC 2 Type II certified | varies | yes |
| Renewal price increases | common | none |
| 60-day money-back | no | yes |
Switching
Moving from ZenBusiness to File.Business
We move your existing entity, your Registered Agent across states, and your compliance calendar in a single workflow. Most customers complete the move within 1 to 3 business days.
You can keep ZenBusiness services active during transition; we coordinate the Registered Agent handoff so nothing falls through.
What we move for you, free
- Existing entity record (state, EIN, articles)
- Registered Agent in every state you operate
- BOI report status and beneficial owner records
- Annual report calendar and renewal dates
- Documents you upload from your existing provider
Most customers complete migration in 1 to 3 business days. We coordinate the Registered Agent handoff with your current provider and confirm with each state.
"I was paying ZenBusiness $300 a year for RA plus another $200 a year for worry-free compliance. File.Business includes both. Same year I saved $500 a year and got 10x more features."
SK
$500annual savings
10xplatform features
1RA across states
60day promise
The File.Business Promise
If we miss a deadline on a service you pay us to manage, we cover the penalty. If you change your mind within 60 days, we refund our fee in full. Your data stays yours, always.
60-day money-back
Penalty-free filings
Cancel anytime
No surprise fees
FAQ
Common questions.
How does pricing compare?
ZenBusiness Starter ($0) is comparable to ours on formation alone. Their Pro and Premium tiers ($199-$349/year) add services we include for free on Starter or our Growth plan. Total cost-of-ownership at year two is typically 30-50% lower with us.
Is ZenBusiness bad?
Not at all. It is one of the better-respected entity services. The reason customers switch is they want more platform (banking, books, payroll, e-signature, vault, real specialists) on one bill.
Do I lose features by switching?
Most ZenBusiness features have direct File.Business equivalents and most are included free. The exception is the "Worry-Free Compliance" branding; our compliance calendar covers the same and more.
Migration time?
1 to 3 business days for Registered Agent change. Compliance calendar populates same-day.
Does my entity name change?
No. Same entity, same EIN, same articles. You only change the service provider.
What about the ZenBusiness app I use?
Our dashboard is more capable for most use cases. Our iOS and Android apps cover what you would normally do on theirs.
Annual report fees?
ZenBusiness charges for annual report filing as a service. We include it on Growth and bill state fees at cost.
Are you newer than ZenBusiness?
We started later and have grown to 220,000+ businesses. SOC 2 Type II, A+ BBB. The question is what you get, not who started first.
Live chat?
Yes. Live chat on every plan; not gated to a tier.
What if I want a real lawyer?
We connect you to our Attorney Network for direct engagement. ZenBusiness has a similar concept; you do not lose access.
Ready to make the switch?
Migration is free. Most customers move in 1 to 3 business days. Cancel anytime within 60 days.
Free migration
60-day money-back
Pay only the state fee
US + international founders · multi-entity dashboard
One platform for one business, or ten.
Multi-entity dashboard at no extra charge. International founders supported with ITIN, EIN-via-SS-4-fax, and partner banking. The platform scales with you.