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Inc Authority Review

Inc Authority is one of the most reliable and trusted names in the business formation industry. For over 30 years, they’ve helped form tens of thousands of LLCs and corporations.

The company is best known for its low cost and simplicity. In fact, Inc Authority even offers free business formation services (more on this shortly).

Entrepreneurs across all 50 states have used Inc Authority as a one-stop shop for starting a business. In addition to the business formation plans, Inc Authority offers other services related to tax planning, retirement planning, bookkeeping, funding, business credit, and more.

If you’re looking for a cost-effective way to start an LLC or corporation without the hassle associated with filing paperwork on your own, Inc Authority has you covered.

Is Inc Authority right for you? This in-depth review will tell you everything you need to know about their services. From plans and pricing to real customer reviews, you’ll be able to make an informed decision as it pertains to your needs after reading this guide.

Ready to get started? Sign up for Inc Authority today!

Inc Authority Business Formation Services

As previously mentioned, Inc Authority has an extensive list of service offerings. But the company is best known for its business formation services, which will be the primary focus of this review.

Those services can be segmented into three main categories—LLC services, incorporation services, and registered agent services. We’ll cover each of these in greater detail below.

Inc Authority LLC Services

The LLC services by Inc Authority are the most popular offerings from this provider. They make it easy for anyone to start a new LLC online—for free.

Yes, you read that correctly. Inc Authority is one of the only business formation companies on the market offering truly free LLC services.

It’s really easy. Just select your state, enter some details about your business, and Inc Authority will handle the rest.

The first thing they’ll do is check the availability of your business name with the state. From there, they’ll prepare and file your LLC documents and submit those to the state as well. Inc Authority also provides tax planning consultation, business funding analysis, and exceptional customer support via phone or email.

Another top benefit of using Inc Authority for your LLC registration is the digital access to your LLC documents. Everything will be delivered to you electronically and is stored for easy access through an online client portal.

The free services don’t stop there. When you use Inc Authority to form your LLC, you’ll also get free registered agent services for one year.

One of the upsells you’ll see during the registration process for your free LLC is for an employer identification number (EIN).

Inc Authority charges $49 for this service. You could avoid the cost and get a free EIN directly from the IRS on your own. But it’s certainly more convenient to get one from Inc Authority and avoid the hassle. Other LLC services charge $75 or more for an EIN, so $49 isn’t too bad compared to alternatives.

Aside from the EIN, the only payments you have to make will be for the state filing fees. This amount varies from state to state.

An LLC operating agreement does not come with the free plan either. All banks require an operating agreement. This document will provide proof that you own the LLC, and it’s required to open a new account. Operating agreements also ensure that courts enforce your liability protections. It establishes the rules that govern how your profits are divided and how decisions are made at your LLC. Adding an operating agreement to your LLC plan is an additional $89.

Inc Authority also offers a legal document package. This contains ownership certificates and LLC seals. The package is crucial if you’re ever audited by the IRS or sued by a third party. The legal documents services add-on is offered for $99.

You’ll also have the option to add express processing to your order. This $49 fee moves your order to the front of the line. Inc Authority will immediately process the information and get it to your state on the same business day.

They continue to pile on the upsells for things like domain registration and success advisor services. Most of you can ignore these.

Overall, Inc Authority legitimately offers free LLC registration. You’ll be hit with a handful of upsells along the way, but you could turn most of those down and handle them on your own.

Inc Authority Incorporation Services

You can also use Inc Authority to form a corporation. This includes both C Corporations and S Corporations. Just like the LLC Services, Inc Authority’s incorporation services are also free—you just pay the state fee.

Getting started is really easy. Just head to the Inc Authority website, choose your entity type, and select your state to proceed.

If you need some guidance choosing the right entity type for your corporation, Inc Authority has useful resources to help you decide which option is right for you.

Similar to the LLC services, here’s a quick overview of what you’ll get for free with Inc Authority’s incorporation services:

  • Business name check for your corporation
  • Preparation and filing of incorporation documents
  • S-Election document IRS form 2553
  • Free registered agent for one year
  • Digital copies and online access to incorporation documents
  • Expert support (phone and email)
  • Tax planning consultancy
  • Business funding analysis

Again, all of these services are 100% free. There’s no catch, and you’ll only have to pay the state filing fees.

With that said, Inc Authority does hit you with some upsells throughout the ordering process. The first one you’ll see is for an employer identification number (EIN). Inc Authority charges $49 for this. It’s something that you’ll need, so getting it now as you’re finalizing the order makes sense.

Inc Authority can also customize your corporate bylaws. This service costs $89. They offer a legal documents package as well. The package contains things like customized organizational meeting minutes, custom stock certificates, and an official incorporation seal. All of this costs an additional $99. You’ll also have the option to expedite the processing of your documents for $49.

The upsells continue with domain registration and success advisory services. These start at $10 and $27 respectively. You can skip these.

Again, you can use Inc Authority’s incorporation services to set up a C-Corp or S-Corp for free.

Will you be presented with some upsells along the way? Yes, but it’s not a big deal. Skip the ones you don’t need and just keep moving forward.

Inc Authority Registered Agent Services

The registered agent services from Inc Authority are popular as well.

As previously mentioned, if you form an LLC or incorporation through this service provider, you’ll get a free registered agent for one year.

As a registered agent for your business, Inc Authority will act as a responsible third party with a physical address in the same state as your company. They can receive official government documentation like tax forms or lawsuit notices on your behalf.

You could technically be your own registered agent, but we advise against that.

The registered agent will always be available during business hours to accept statutory notice on behalf of your company.

As for the registered agent pricing, there’s no exact information on those rates beyond the first free year. I reached out to a customer service representative via live chat on the Inc Authority website for a quote. While the agent responded within 30 seconds, they were unable to give me an exact number. I was told that the “registered agent pricing varies depending on the state and business type.”

The only way to get an exact quote is by speaking with an agent over the phone regarding your unique situation. This is a little bit of a hassle, considering other sites are more transparent with the registered agent costs. But when you’re using a free service, you can’t expect everything to be perfect.

Overall Pricing and Value

Inc Authority’s business formation services are 100% free. Whether you’re starting an LLC, C-Corp, or S-Corp, those free services include:

  • Business name check
  • Entity formation document preparation and filing
  • IRS form 2553
  • Registered agent services for one year
  • Digital document delivery and storage
  • Phone and email support
  • Tax planning consultancy
  • Business funding analysis

As you go through the order process, you’ll be presented with several different upsells:

  • Employer identification number (EIN) — $49
  • Operating agreement — $89
  • Corporate bylaws — $89
  • Legal documents package — $99
  • Express processing — $49
  • Domain registration — $10
  • INC success advisor — $197 per year or $27 per month

Depending on the add-ons you need, you’ll likely end up paying more than $0.

However, these add-ons are not a requirement. You can handle these on your own if you truly want to start your business for free. The only fee you’re actually required to pay is the state filing fee. This number varies from state to state.

If you’re interested in lots of add-ons, you might want to consider one of the Inc Authority premium startup bundles. In some cases, it’s cheaper to get a bundle instead of adding on each service individually.

Pricing is not available online, so you’ll need to call up Inc Authority to talk pricing or ask questions about these bundles. But here’s an idea of what you get in each package:

Starter

  • Verify name availability
  • Custom state filing
  • Operating agreement
  • Bylaws
  • Record book and company seal
  • Meeting minutes and resolution
  • Ownership certificates
  • Tax ID (EIN)
  • Business credit and funding analysis
  • Tax consultation
  • One year of INC success advisory services

Executive

  • All Starter services
  • Business license report
  • Website domain

Tycoon

  • All Executive services
  • Express processing
  • BizCredit Express
  • Business credit coach
  • Multi-tiered credit building system
  • Business credit LaunchPad
  • D&B credit bureau registration

The Starter package is really all you need if you’re just looking to start a business. The other two options go above and beyond what you likely need, though it does depend on your specific situation, business, and needs.

In terms of value, Inc Authority’s free plan is more than enough for most businesses. You’ll likely add on at least a couple of the upsells (because it’s easier than doing it yourself). But you probably won’t find a better deal on the web from a business formation service that will actually let you check out for free (except for state fees).

User Experience

The user experience with Inc Authority is seamless. I went through the process a few times with different entity types to get a feel for it, and it really only takes 2-3 minutes from start to finish.

Everything is very straightforward, and you can figure it out even if you don’t have any experience using a business formation service.

The only potential gripe that users might have is that they’re presented with so many upsells throughout the order process. But those few extra clicks are a small inconvenience to avoid paying anything at all.

Compared to other business formation services we’ve reviewed, Inc Authority might have the simplest user experience of them all. The layout and dashboard are really clean, and it almost feels too easy.

Customer Support

When you sign up for Inc Authority, you’ll get unlimited phone and email support.

Personally, I reached out to a customer support rep via live chat with a question about pricing. I was pleased that the agent responded almost immediately. It was also refreshing to know that I was chatting with a real human and not a chatbot.

While I didn’t quite get the answer I was looking for from the agent I chatted with, they quickly put me in contact with someone who could answer my questions in greater detail over the phone.

Final Verdict

Do we recommend Inc Authority? Absolutely.

It’s one of the only truly free business formation services on the web—with no strings attached. You can use them to form an LLC, S-Corp, or C-Corp for $0 (just paying your state filing fees).

With that said, I’d recommend adding a few extras to your plan. At the very least, get an EIN from Inc Authority. It’s easier than dealing with the IRS directly to save a few bucks.

Between the LLC services, incorporation services, and registered agent services, Inc Authority has everything to accommodate the needs of your startup.

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MyCompanyWorks Review

MyCompanyWorks has been around for nearly two decades. Over the years, they’ve helped form over 60,000 businesses across a wide range of industries in all 50 states.

They provide business formation services for LLCs, C Corporations, and S Corporations. The platform’s simplicity, low cost, and ease of use are just a handful of reasons why it’s so popular.

Is MyCompanyWorks right for you?

This guide takes a deeper look at the business formation services offered by MyCompanyWorks. You’ll learn more about the benefits, pricing, plans, and insights from real customers. By the end of this article, you can make an informed decision to determine if MyCompanyWorks is right for your business formation needs.

Ready to get started? Sign up for MyCompanyWorks today!

MyCompanyWorks Business Formation Services

While MyCompanyWorks has a wide range of offerings, the business formation services are definitely the most popular. These services can be broken down into three main categories—LLC services, incorporation services, and registered agent services.

We’ll take a closer look at each one of these below.

MyCompanyWorks LLC Services

The limited liability company (LLC) services provided by MyCompanyWorks are definitely the most popular—and for good reason.

Even if it’s your first time starting a business, going through the formation process with MyCompanyWorks is about as easy as it gets. Just head to their website, choose LLC from the entity type dropdown menu and select your state.

From there, you’ll have to choose one of their LLC formation packages:

  • Basic — Starts at $79 + state fees
  • Entrepreneur — Starts at $199 + state fees
  • Complete — Starts at $279 + state fees

All plans come with the essentials, like unlimited name availability search, preparation and filing for articles of organization, personalized LLC operating agreement, same-day processing, unlimited phone and email support, free company alerts, and online document access.

Unlike other LLC formation services on the market today, MyCompanyWorks doesn’t charge you extra to expedite the filing process. All orders submitted by 3 pm EST are processed the same day. Orders submitted after that will be processed the next business day.

The entry-level Basic package does not come with the ability to obtain an EIN/tax ID. But you can add that to your plan for just $49.

Alternatively, you can upgrade to the next tier. In addition to the EIN, the Entrepreneur package comes with an LLC kit, LLC seal, and LLC member certificates. You’ll also get lifetime access to 200+ updated business forms for contracts, meetings, leases, DBAs, and more.

The top-tier Complete package comes with registered agent services as well, which are a $99 add-on otherwise. We’ll discuss this in greater detail later on.

After you’ve selected your plan, the next steps are very easy. MyCompanyWorks just asks for basic information like:

  • Company name (plus an alternate choice if your preferred one isn’t available)
  • Purpose of your LLC
  • Contact information
  • Shipping address
  • Name and address of registered agent (unless you get one through MyCompanyWorks)
  • Name and address of LLC members
  • Federal EIN information (unless you get one through MyCompanyWorks)

That’s it! They’ll handle everything from here. MyCompanyWorks will complete your LLC formation documents and file them with your state. They’ll also provide you with post-formation paperwork like a personalized operating agreement and more. MyCompanyWorks even gives you a new LLC handbook and startup checklist with details for things like business licenses, sales tax permits, and hiring employees.

If you’re using MyCompanyWorks to form your LLC, you’ll love the platform’s Startup Wizard. This interactive online dashboard walks you through the step-by-step process of forming your company.

The Startup Wizard comes free with all LLC formation plans.

MyCompanyWorks Incorporation Services

You can also use MyCompanyWorks to incorporate a C-Corp or S-Corp.

While these services aren’t quite as popular as its LLC services, it’s still a viable option for any entrepreneur or business owner that needs to incorporate.

The incorporation services are actually fairly similar to the LLC formation services, with a few minor differences.

You’ll still get the free startup wizard, unlimited name availability search, same-day processing, online order tracking, online status updates, unlimited support, free company alerts, online document access, and lifetime “My Account” access.

Incorporation packages also come with personalized corporate bylaws, the new corporation handbook, and the option for a kit with corporate seals and corporate stock certificates.

The pricing is identical to the LLC services. You can choose between Basic ($79 + state fees), Entrepreneur ($199 + state fees), or Complete ($279 + state fees).

An EIN comes standard with the Entrepreneur package and above, and the Complete plan also provides registered agent services.

If you’re forming a corporation and want to avoid the legal fees associated with hiring an attorney, MyCompanyWorks is a viable solution to consider.

MyCompanyWorks Registered Agent Services

Every business is required to have a registered agent. So if you’re using MyCompanyWorks to form your LLC or corporation, it makes sense to get the registered agent services from them as well.

With that said, these services are also popular for existing businesses that want to switch registered agents.

These services are available throughout the country, in all 50 states. So regardless of your state of formation or entity type, you can trust MyCompanyWorks as your registered agent.

You’ll benefit from services like:

  • Service of process
  • Annual report notices
  • Tax notices
  • Statutory compliance
  • Mail acceptance
  • Notifications when forms and documents are received
  • Online access
  • Extra level of privacy between you and your business

MyCompanyWorks charges $99 for its registered agent services. This is also included in the Complete formation package (for $279 + state fees).

Another unique standout of the registered agent services from MyCompanyWorks is the way they make it easy for existing business owners to switch. Unlike other service providers on the market, MyCompanyWorks doesn’t impose a change of agent fee.

Whether you’re starting a new business or need a change of agent, MyCompanyWorks should be a top choice for you to consider for registered agent services.

Overall Pricing and Value

We’ve mentioned the pricing for MyCompanyWorks a handful of times throughout this guide. But I want to take a moment to provide you with an in-depth look at the packages. Whether you’re using MyCompanyWorks to form an LLC, C-Corp, or S-Corp, these will be your options:

Basic — Starts at $79 + state fees

  • Unlimited name availability search
  • Preparation and filing of articles of organization
  • Personalized organizational minutes
  • Personalized corporate bylaws (for corporations)
  • Online order tracking and status updates
  • Same-day processing (on business days before 3 pm EST)
  • Company alerts
  • New LLC/corporation handbook
  • Online document access
  • Lifetime access to MyCompanyWorks’ My Account Dashboard and Vendor Network
  • Free ebook for startups

Entrepreneur — Starts at $199 + state fees

  • All Basic services
  • Obtain federal tax ID (EIN)
  • LLC kit, seal, and member certificates
  • Corporate kit, corporate seal, and corporate stock certificates
  • Lifetime of updated business forms from MyCompanyForms

Complete —Starts at $279 + state fees

  • All Entrepreneur services
  • Registered agent services

The state fees are automatically calculated when you select your entity type and state. Here’s an example of what you’ll see for LLCs in Colorado:

There’s another service called MyCompanyWorks Premium, for $99 per year. It’s not specific to any entity type. This is a managed service for annual reporting, a compliance dashboard, resolutions manager, unlimited custom alerts, business entity monitoring, and priority support.

MyCompanyWorks Premium is great for new businesses and existing businesses alike.

Registered agent services start at $99 per year.

In terms of value, MyCompanyWorks hits the mark in terms of available services. But you do need to pay extra for a handful of things. For example, other providers on the market offer registered agent services with all plans. Some even give you your first year for free. A registered agent from MyCompanyWorks only comes standard with the Complete package.

Additionally, MyCompanyWorks Premium is another extra that would be nice if it were included with at least one of the packages. But you need to add it on to every plan. With that said, it’s well worth the cost for the benefits.

User Experience

The user experience with MyCompanyWorks can be summed up in a single word—seamless. From the second you land on the website you’ll find a clean interface as you’re choosing a plan and beginning the process.

It’s really easy to fill out the initial forms. You’ll also benefit from the platform’s Startup Wizard.

The Startup Wizard comes for free with every formation plan. It’s an advanced version of a web-based checklist. But it’s personalized based on your specific plan, business, and entity type.

For example, let’s say you’re filing an LLC in the state of Nevada. The checklist would be tailored with the exact steps required for this state, plus other helpful startup tasks.

It’s a visual representation of your progress tracking (0-100%) that’s updated in real-time as you complete steps. You’ll also get a weekly email reminder that includes an attached PDF with a detailed summary of the remaining steps.

For those of you who are using MyCompanyWorks to form multiple companies, the Startup Wizard is a simple way to stay organized as you progress through the steps with each business.

After you’ve finished forming your LLC or corporation, you can continue using MyCompanyWorks to access documents and manage your registered agent services.

Customer Support

Support is another crucial component of evaluating a business formation service.

Right away, I love the fact that MyCompanyWorks offers same-day processing. All orders submitted by 3 pm EST are processed the same day. If you submit an order after 3 pm, your information will be processed on the next business day. So many other formation services out there wait days or even weeks to start processing paperwork.

The customer service keeps people coming back. Some customers continue using MyCompanyWorks to form multiple companies because they were so happy with the excellent service.

For those of you who are looking for even better service, you’ll likely want to consider MyCompanyWorks Premium.

This add-on for $99 per year comes with a managed annual report service, a compliance dashboard, custom alerts, business entity monitoring, online certifications, and more. You’ll also benefit from priority phone and email support (average response time under 2 hours).

MyCompanyWorks also offers a 100% satisfaction guarantee. If you’re unhappy with any of the services, you may be entitled to a full refund if you submit a request within 90 days of signing up. The refund is good for all MyCompanyWorks fees (state fees are nonrefundable).

Final Verdict

Do we recommend MyCompanyWorks? Absolutely.

They have an extensive list of service offerings in the business formation category. It’s a great option for LLCs, C-Corps, and S-Corps, alike. We also recommend the registered agent services.

Overall, the platform is simple and cost-effective. It’s a popular alternative to hiring an attorney to form your business.

Even business owners who have already incorporated switch to MyCompanyWorks for their registered agent. There’s no additional fee for changing agents.

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Swyft Filings Review

Swyft Filings is a quick and easy way to form an LLC, C corporation, S corporation, or nonprofit.

The company was launched by a lawyer who recognized the need for automation in the business filing process. These services allow entrepreneurs and small business owners to follow their dreams without the high costs and traditional legal fees.

With Swyft Filings, anyone can get a business up and running quickly and efficiently at an affordable price. Regardless of the location or industry, tens of thousands of companies have trusted Swyft Filings’ business formation services.

Is Swyft Filings right for you?

This guide will help you answer that question. We’ve researched and reviewed the top business formation services offered by Swyft Filings. You’ll learn more about the pricing, plan options, support, and see what real customers are saying about their experience.

Ready to launch your business? Sign up for Swyft Filings today.

Swyft Filings Business Formation Services

Like many business formation services, Swyft Filings has an extensive offerings list. But the primary services can be broken down into three main categories—LLC services, incorporation services, and registered agent services.

Continue below for an in-depth review of each service.

Swyft Filings LLC Services

The LLC formation services from Swyft Filings are the company’s most popular offering. Small business owners throughout all 50 states rely on this service for launching a business.

The experts at Swyft Filings will help you save time, money and avoid costly errors during the filings process. They also help you maintain your business post-launch. Here’s a quick overview of how the LLC formation process works with Swyft Filings.

Once you land on the website and select the LLC option, you just need to complete a simple form to provide some information about your business. This can be completed in less than ten minutes. Based on the information you provide, Swyft Filings prepares and files all of the paperwork on your behalf.

After the documentation has been approved by the state, you’ll receive a completed LLC package in the mail.

It really doesn’t get more convenient than this. The online form is so straightforward. Compared to some of the other LLC formation services on the market today, the Swyft Filings form can be completed in just a fraction of the time.

There are three plans for you to choose from:

  • Basic — $49 + state fees
  • Standard — $149 + state fees
  • Premium — $299 + state fees

All plans come with company name availability verification, articles of organization preparation, document filing, online document access, lifetime phone and email support, and a free 30-minute tax consultation.

You’ll also benefit from online status tracking and free shipping. The packages are all backed by a 100% money-back guarantee (more on this later on).

The Basic plan does not come with an EIN (employer identification number). This is definitely something that you need. You can add it to the package for $70 or just upgrade to the Standard plan to get an EIN included.

In addition to the EIN, the Standard plan also includes a custom LLC operating agreement and custom LLC banking resolution. This plan provides the best value.

The Premium plan includes some features you don’t really need from a business formation service (like a free website and web hosting). But it does offer express FedEx shipping of your documents.

Swyft Filings has tens of thousands of reviews across several third-party review platforms. What do their customers have to say about the LLC services? Let’s take a closer look.

One recent review from Trustpilot that stood out to me was from a customer who used Swyft Filings to set up an LLC in less than 20 minutes.

It sounds like this customer has been through this process before with another business formation company. When comparing the two side by side, Swyft Filings took minutes, while the other took days.

Other customers rave about the speed of the process as well. Lots of reviews point to the simple interface, affordable pricing, and great customer service.

If you want to file an LLC quickly and easily while keeping your costs low, Swyft Filings should definitely be a top consideration. The Standard package delivers the best bang for your buck.

Swyft Filings Incorporation Services

Swyft Filings is also a popular choice for anyone that needs to incorporate. They have services for C-corps, S-corps, and nonprofit corporations.

The incorporation process is nearly identical to the LLC formation process. Just head over to the Swyft Filings website and choose your entity type and state. From there, you can fill out a form that can be completed in less than 10 minutes.

Swyft Filings takes the info to prepare your incorporation documents and files them with the Secretary of State.

The information on the form will vary slightly based on the entity type. But it’s still really easy to answer all of those questions online. Once the process is complete and your documents are approved, you’ll receive a completed C-corp, S-corp, or nonprofit package by mail.

As for the plans and pricing, the package rates are identical for all entity types.

Choose from Basic ($49 + state fees), Standard ($149 + state fees), or Premium ($299 + state fees).

The Basic plan comes with the essentials like the ability to verify your company name, articles of incorporation preparation, articles of incorporation filing, and a free statement of the incorporator. You’ll also get a free business tax consultation session, lifetime support, and online access to your incorporation documents.

However, the entry-level plan doesn’t come with an EIN, custom corporate bylaws, a corporate banking resolution, or corporate meeting minutes. You’ll need to upgrade to the Standard plan to get all of these services, which is definitely something that I recommend.

The Premium plan offers some extras you probably won’t use. But you’ll benefit from faster shipping and online delivery of state documents.

Similar to the LLC services, customers seem genuinely happy with the incorporation services from Swyft Filings. There are some recent reviews highlighting how quickly the process was to incorporate a nonprofit. Others explained how easy it was to incorporate in multiple states.

Lots of the reviews point to the prompt and friendly service provided by the agents at Swyft Filings.

In addition to the incorporation services mentioned above, Swyft Filings also offers DBA (doing business as) names. You’ll also benefit from an extensive learning center and a free incorporation guide to help you figure out which entity type is right for you.

Swyft Filings Registered Agent Services

Whether you’re starting an LLC, S Corporation, C Corporation, or a nonprofit, you’ll need a registered agent.

Fortunately, Swyft Filings provides registered agent services. So if you’re using this platform to form your business, it makes sense to get a registered agent from them as well.

Your registered agent will handle all of the formal correspondence required between your business and government agencies. They’ll help you remain compliant, protect your privacy, and ensure you don’t miss any filing deadlines.

Signing up for the registered agent services from Swyft Filings is easy. All you have to do is complete a quick questionnaire online.

Once you’re signed up, you can manage everything from your online dashboard. Your registered agent will send you alerts and reminders for important deadlines and information, so there’s no reason for you to check in with them on a regular basis.

All of your information, mail, and digital documents are stored safely.

If your business is ever involved in a lawsuit, the registered public agent address is the location where you’ll be served. So you won’t have to worry about the negative perception of being served in front of your employees or customers.

For existing businesses that want to switch registered agents, Swyft Filings makes this process as easy as well.

The registered agent services from Swyft Filings start at $149. Your plan will renew automatically.

What are real customers saying about the registered agent services from Swyft Filings?

For the most part, reviews tend to be favorable. The only gripe I see is from people who wanted to cancel their registered agent service and struggled to do so. However, it seems like this is more of a state compliance issue, as opposed to a problem with Swyft Filings.

It appears as though those customers didn’t appoint a new registered agent before attempting to cancel (and they need to legally have a registered agent on record). But since this was brought up a few times in recent reviews, I thought it was worth mentioning.

If you’re using Swyft Filings to form your business, it makes sense to get a registered agent from them as well. Using a different provider for this just complicates things.

Overall Pricing and Value

We’ve mentioned the price points for Swyft Filings services throughout this guide. But I want to take a moment to clearly outline the exact plans, packages, and rates. Regardless of your entity type, these are the packages offered:

Basic — $49 + state fees

  • Verify company name availability
  • Prepare and file articles of organization
  • Prepare and file articles of incorporation (S corps, C corps, nonprofits)
  • Online document access
  • Lifetime phone and email support
  • Free 30 minute business tax consultation
  • ComplianceGuard company alerts
  • Free domain
  • Standard filing time
  • First class shipping

Standard — $149 + state fees

  • All Basic services
  • Federal tax ID (EIN)
  • Custom LLC operating agreement
  • Custom LLC banking resolution
  • Custom corporate bylaws (for incorporation services)
  • Custom corporation meeting minutes (for incorporation services)

Premium — $299 + state fees

  • All Standard services
  • Electronic delivery of state documents
  • Customized digital LLC kit
  • Customized digital corporate kit (for incorporation services)
  • Free business website and web hosting
  • Express shipping and tracking with FedEx

All plans also come with real-time status tracking, free shipping, and a 100% money-back guarantee (more on this shortly). Registered agent services start at $149.

Overall, the Standard plan is your best value. I ignore the perks like a business website, domain, and hosting. These aren’t something you should be using a business formation service for. So they don’t really add value to the plan.

It’s worth noting that lots of other business formation services on the market offer a free registered agent for the first year if you sign up. Swyft Filings does not. While this isn’t quite the industry standard, lots of formation services offer it. This isn’t a reason to avoid them by any means, but it’s still worth mentioning.

User Experience

In terms of customer experience, Swyft Filings is about as easy as it gets. Navigating the website and signing up is super simple.

After you select your entity type, state, and plan, the form you fill out is arguably the simplest in the industry. The entire process can be completed in less than ten minutes. From there, it’s just a matter of sitting back and waiting while the team at Swyft Filings handles the rest.

One recent review on the Swyft Filings website points to the modern UI.

Most users seem to feel the same way. It’s really easy to navigate everything from your dashboard, especially for the registered agent services.

One potential drawback is that the electronic delivery of your state documents is only available on the Premium plan. If you’re on the Basic or Standard plan, you have to wait for those to arrive through the mail.

With that said, other documents will still be available online from your customer dashboard.

Customer Support

The Swyft Filings support team is available via phone and live chat Monday to Friday from 9 am to 6 pm CST. If you browse through reviews, you’ll see that the vast majority highlight the helpful and prompt responses by the Swift Filings customer care team.

Furthermore, Swyft Filings offers a 100% money-back guarantee when you sign up for their services. This is how they commit to providing exceptional customer service.

If you aren’t satisfied with the services you receive, you’re entitled to a refund of your Swyft Filings fees (state fees are not eligible).

While this promise is encouraging, there are some contingencies (which is usually the case when companies have a policy like this). After submitting the refund request, a representative will review your situation and make an effort to resolve the issue. If they find a filing error made by Swyft Filings, then you’ll be refunded with no questions asked. All refunds must be requested according to the terms of service.

Final Verdict

Swyft Filings is an industry leader in the business formation space in terms of filing speed. After you fill out a 10-minute form online, they’ll begin processing your information right away.

It’s a great option for anyone that needs to form an LLC, S corporation, C corporation, or nonprofit.

In addition to the business formation services, Swyft Filings also has registered agent services, DBA names, and more. If you’re looking for a fast and cost-effective way to form your business, look no further than Swyft Filings.

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ZenBusiness Review

ZenBusiness is one of the most reputable and popular business formation services on the market today. If you’re starting an LLC or a corporation, they can handle all of the paperwork and filings for you.

The simplicity, fast filings, and excellent support provided by ZenBusiness are all top reasons why it’s so highly recommended. Plus, it’s affordable—even for small businesses.

Tens of thousands of businesses have been formed with ZenBusiness.

As a Public Benefit Corporation, ZenBusiness is committed to making sure small businesses are successful. Social impact is part of their business model and mission statement.

So is ZenBusiness right for you? What services do they offer? Is it a good value? We’ll answer all of these questions, and more, throughout our in-depth review of ZenBusiness.

Already convinced? Get started with ZenBusiness now.

ZenBusiness Business Formation Services

ZenBusiness has a wide range of services, but its offerings in the business formation category are definitely the most popular—more specifically, the LLC services, incorporation services, and registered agent services. We’ll break these down in greater detail below.

ZenBusiness LLC Services

Due to its liability protection, forming an LLC (limited liability company) is an appealing option for business owners who want to protect themselves from individual responsibility related lawsuits or debts incurred by the business.

Once an LLC is formed, the business becomes its own entity. So all of the legalities associated with the business are separate from the owner.

Of all the services offered by ZenBusiness, LLC formation is definitely the most popular.

Getting started is simple. Just navigate to the ZenBusiness website, select “LLC” from the dropdown menu on the homepage, and select your state.

Next, you’ll choose from one of three ZenBusiness packages. Let’s take a closer look at these plans to see which option is the best for your LLC.

  • Starter — $49 per year
  • Pro — $199 per year
  • Premium — $299 per year

State fees are not included in these rates. The exact fees will vary from state to state.

All plans come with LLC preparation and filing included. You just need to provide ZenBusiness with some details about your company, and they’ll handle the paperwork. Business name availability search is also included with every plan. The formation experts at ZenBusiness will search the state’s database to verify the requested name’s availability before filing the paperwork. If the name is unavailable, you’ll be contacted for a suitable alternative before the formation process starts.

ZenBusiness gives you 24/7 access to your documents online through a simple dashboard. So you can track the status of your business formation at any time. Once the formation process is completed, you can download and print all of your LLC documentation from here as well.

Registered agent services are also included in all ZenBusiness packages (more details on this later on).

You’ll also get a Statement of Organizer document and an Operating Agreement template. ZenBusiness throws in extra perks like a $150 Google Ads credit, a free accounting consultation, special credit card offers, and a virtual business guide.

You could add on rushed or expedited filing to your Starter plan for $50 or $100, respectively. But at that point, it’s worth it to just upgrade to Pro or Premium. An employer ID number (EIN) is not included with the Starter package either. The extra $70 fee for an EIN can be avoided if you go with the Pro plan

Overall, ZenBusiness is a great choice for anyone that wants to form an LLC. The process is simple, and you can get up and running relatively quickly.

It’s not the cheapest LLC formation service on the market, but they still deliver in terms of value.

ZenBusiness Incorporation Services

The incorporation services provided by ZenBusiness are extremely helpful as well. These are perfect for anyone who wants to start one of the following business types:

  • C corporation (C corp)
  • S corporation (S corp)
  • Nonprofit corporation

If you’re unsure which type of corporate entity structure is right for you, ZenBusiness has useful resources on its website that outlines the pros, cons, and differences of each one. They also have a simple guide on the steps you need to take to form a corporation, which looks something like this:

Each of these steps is explained in greater detail on the website. It’s easy for anyone to understand, even if it’s your first time going through this process.

While ZenBusiness won’t handle all of these ten steps, their incorporation services provide assistance with most of them—especially the most cumbersome ones. More specifically, ZenBusiness can provide the following incorporation services for its customers:

  • Corporation document preparation and filing
  • Corporation name availability search
  • Registered agent services for corporations
  • Corporate bylaws
  • File for EIN (employer identification number)
  • Accounting consultation

Things like appointing directors, drafting shareholder agreements, and issuing shares of stock don’t really fall into the scope of ZenBusiness’s services. But that’s the case for most business formation services on the market today. You’ll need some of this information ahead of time in order for ZenBusiness to complete your corporate bylaws and other documentation.

You can use ZenBusiness to register your corporation as a DBA (doing business as) name. While this won’t add any legal protection to your business, lots of organizations choose to use DBAs as a trade name.

ZenBusiness offers the same three plans for corporations that they have for LLCs—Starter, Pro, and Premium. These packages start at $49, $199, and $299 per year, respectively.

State fees aren’t included in the rates. You’ll need to select your state to see the specific prices to file your corporation and ZenBusiness will add that to your package. All of this is very straightforward on the website.

Overall, I’d recommend the Pro plan. This incorporation services package comes standard with EIN filing, worry-free compliance, expedited filing speed.

ZenBusiness Registered Agent Services

ZenBusiness offers registered agent services for both new and existing businesses.

If you sign up for a registered agent with ZenBusienss, they’ll handle all of the required correspondence with the Secretary of State and other government agencies. ZenBusiness ensures that your tax documents and other legal business documents are managed and communicated appropriately to these government agencies on your behalf.

States require LLCs and corporations to appoint and maintain a registered agent during the business formation process.

With a physical location in your state of formation, your ZenBusiness registered agent can accept important legal documents on your behalf. They will upload them to your online dashboard, so you can view, download, or print them at any time.

The ZenBusiness Registered Agent service starts at $99 per year. So you have the option to get this as a standalone service. A Complete Coverage package is also available for $149 that includes compliance services.

However, it’s much more cost-efficient if you bundle the incorporation service with a business formation package. These start at just $49 per year and even the entry-level plan includes a registered agent.

The only reason to consider the standalone Registered Agent service from ZenBusiness is if you already have an existing business and want to switch registered agents. Otherwise, the formation plans will be your best bet.

Your ZenBusiness registered agent will be available during business hours. They’re also able to be served with legal notice on your behalf and will promptly relay legal documentation to the appropriate parties at your business.

If you’re in need of a registered agent, ZenBusiness has you covered.

Overall Pricing and Value

Compared to other business formation services on the market today, ZenBusiness falls in the middle of the pack in terms of its pricing. They aren’t the cheapest, but they certainly aren’t the most expensive either.

While we’ve already mentioned the plans throughout this guide, here’s an in-depth look at comes with each package:

Starter — $49 per year plus state fees

  • Prepare and file LLC or corporation paperwork
  • Business name availability search
  • Registered agent services
  • Phone and email support
  • Online document access
  • Operating agreement template
  • Free accounting consultation
  • $150 Google Ads credit
  • Standard filing speed

Your tax ID (EIN) costs $75 to add on to this plan. That’s definitely something that you’ll need.

Pro — $199 per year plus state fees

  • All Starter plan services
  • Expedited filing speed (typically less than 10 days, depending on the state)
  • EIN number included
  • Banking resolution template
  • Business document templates library
  • Worry-free compliance

Premium — $299 per year plus state fees

  • All Pro plan services
  • Rush filing speed (roughly 3-5 business days)
  • Business website
  • Business domain name
  • Domain name privacy
  • Business email address

Overall, the ZenBusiness Pro plan delivers the best value. It comes with an EIN included and expedited filing. You’ll also benefit from the “worry-free compliance” service (annual report filing and two yearly amendments).

The only reason to consider the Premium plan is if you’re in a rush and wanted to form your business as fast as possible. But the business website, domain, and email aren’t much of a draw—you should be getting those elsewhere. Instead, you can just pay an extra $100 one-time fee for rush filing as opposed to an extra $100 per year (Pro vs. Premium).

Plans are 100% refundable if you cancel before the documentation is sent to the state.

If you look at ZenBusiness side-by-side with some of the other big players in the business formation industry, they belong right at the top. You won’t get the same legal consultancy services provided by their competitors, but ZenBusiness still offers a tremendous value.

User Experience

The user experience with ZenBusiness is seamless. You don’t need to be tech-savvy to figure this out. If you know how to use the Internet, you can form a business using this platform.

Everything is so straightforward when you land on the website. Getting started is as simple as choosing your entity type (LLC or corporation) and selecting your state. From here, you’ll pick a plan and add-on any extras.

You can create an account in minutes. Then you’ll just need to provide ZenBusiness with certain details about your business. All of this can be managed online through an easy-to-use dashboard.

Upon reading customer reviews online, you’ll find nothing but glowing remarks about how easy the website is to navigate. After you submit your information to ZenBusiness, you can track the status of your order while the filing is being processed. You’ll also have access to all of your legal documents from here as well.

If you’re prepared, you can essentially complete the process in one sitting. Then it’s just a matter of sitting back and letting ZenBusiness handle the rest for you.

Customer Support

The customer support team at ZenBusiness is highly responsive. These representatives are available via phone and email during the following hours:

  • Monday to Friday, 8 a.m. – 8 p.m. Central time
  • Sunday, 10 a.m. – 7 p.m. Central time

Phone support is pretty quick, and most customers don’t experience long wait times. They reply to emails within one business day of receiving an inquiry.

Having fast and reliable support is crucial when you’re browsing around and evaluating a business formation company. It’s normal to have some questions during this process.

They aren’t around to help you out on Saturdays. But beyond that, the support is top-notch.

Final Verdict

At the end of the day, ZenBusiness should be a top choice to consider if you’re in the market for a business formation service.

The LLC services, incorporation services, and registered agent services are the most popular offerings provided by ZenBusiness. In addition to the all-in-one packages, you can also use ZenBusiness for individual use cases (like EIN filing, business name registration, operating agreement templates, etc.).

But the full-service packages for LLC and corporation formation are the most popular.

Starting at just $49 per year, it’s tough to beat that value.

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Compare The Best Medical Billing Services

Billing for medical services is an integral part of every health care practice.

Yet for many practices, in-house billing is cumbersome. Practices with a smaller staff often consider outsourcing this key task. They turn to medical billing services or revenue cycle management (RCM) services to fulfill this need.

Compare Quotes From The Best Medical Billing Services

Get matched up with a medical billing service that fits your specific needs.

>> Compare Quotes

The 8 Best Medical Billing Services

How to choose the best medical billing service. Quicksprout.com's methodology for reviewing medical billing services.

Beyond patient care, effective billing is crucial to financial stability for any medical practice. Medical billing services simplify the way healthcare providers submit claims to insurance companies.

The best medical billing services facilitate accurate and timely claims to insurance providers with the proper coding. By following the unique rules of each insurance company, it increases the chances of receiving prompt and full payments—providing your practice with adequate cash flow for operations.

These billing services typically handle patient billing in addition to insurance billing. This ensures the patient’s portion of the bill is collected appropriately, without the burden of collection falling on your office staff.

With medical billing services, you won’t have to worry about mistakes related to poor recordkeeping that could forfeit the revenue. Everything is handled with the utmost care and accuracy.

After extensive research, our team has narrowed down the eight best medical billing services that you should consider:

AdvancedMD

  • Works with all types of practices
  • Very high first pass success rate
  • Works with denied claims
  • Checks claims for coding errors

>> Compare Quotes

For medical practices that want the highest possible success with insurance claims on the first pass, AdvancedMD is a strong performer.

At 95%, it guarantees to deliver one of the highest percentages of success on initial claims submission in the industry. They also tout that they can exceed that number in real-world conditions.

The interface is straightforward and provides you with everything you need to make billing and invoicing simple and headache free.

AdvancedMD interface

AdvancedMD has an EMR system that you can use too, which helps with billing accuracy. However, the service does not initially code the claims, so you’ll have to do this part in-house.

Pros

  • Extremely high first pass success rate
  • Will search your claims for coding errors
  • Works with denied claims for you
  • Works with all sizes and types of practices

Cons

  • Does not do the initial coding, so you’ll need an in-house certified coder
  • Has some extra fees

AthenaCollector

  • Extremely easy to use
  • Works with your team
  • 90-day minimum contract
  • Great low prices

>> Compare Quotes

AthenaCollector helps your staff handle the majority of the billing process with guidance.

It’s primarily an automated medical billing service that attempts to catch errors that your staff may make during the billing process.

AthenaCollector homepage.

It’s also incredibly easy to use. That means once you set it up, you can get started immediately.

Because AthenaCollector only has a 90-day minimum contract, you can try this RCM service to see if it fits your needs without a major commitment.

Pros

  • Extremely easy to use
  • Designed to help your in-house service
  • Shorter than average minimum contract length
  • Price point is a bit below average

Cons

  • Not made for those who want a complete third-party billing service
  • First pass success rate in claims is a bit lower than others

CareCloud

  • Strong matching EMR system
  • 1 year minimum contract
  • Multiple plans
  • Competitive pricing

>> Compare Quotes

CareCloud is a solid choice when it comes to medical billing solution.

Where they really shine is how they tailor their pricing tiers to match your practice. It’s not one-size-fits-all. CareCloud adjusts its billing based on the complexity and frequency of your claims.

CareCloud homepage.

With CareCloud, you’ll receive a below average percentage cost, based on your monthly billing amount, but you will have to pay some hefty startup fees.

If you want to match your EMR software with your biller, CareCloud offers a strong EMR system.

Pros

  • Multiple pricing tiers with competitive overall pricing
  • Has a strong matching EMR system
  • Offers a minimum contract length of one year
  • Excellent coding results

Cons

  • Startup fees are high for new clients
  • Requires a minimum monthly guarantee

Cerner

  • Great for large practices
  • Multiple advanced features
  • Patient account collection services
  • Handles all aspects of billing

>> Compare Quotes

Cerner is a great billing service for handling complex billing needs. It’s way more than a small practice needs, but hospitals and larger organizations will appreciate a system that is robust enough to adapt to their needs.

Some serious training is going to be required on the backend for administrators, as well as for staff.

Once you learn the ropes, Cerner is great for handling the entirety of the billing process from start to finish, including resubmissions of denied claims and account collections from patients.

Cerner homepage.

You will get complete visibility into every part of your revenue cycle. Identify bottlenecks, breakdowns, find places to improve your patient experience, and make the day-to-day easier on your administrators.

Due to its complexity and the scope of their coverage, I highly recommend Cerner for companies that have outgrown simpler medical billing solutions.

Pros

  • Multiple advanced features for large practices
  • Handles all aspects of billing
  • Will manage patient account collections for you
  • Once you figure out how to use it efficiently, this is an impressive service

Cons

  • Higher than average pricing
  • Training process is long and involved
  • Customer service has hit and miss results

CureMD

  • Geared toward small practices
  • High first pass success rate
  • No minimum contract
  • Low startup costs

>> Compare Quotes

Are you a small practice that wants to use a medical billing service without shelling out a significant upfront investment? CureMD is the pick.

They offer a first pass success rate for claims at up to 98%, which is one of the highest in the industry. CureMD also handles all aspects of the billing and claims process, including generating codes, so it’s a full service option.

CureMD excels at generating helpful reports too.

Pros

  • Low initial price for basic service
  • Geared toward small practices
  • No minimum contract requirement
  • Very high first pass success rate on claims

Cons

  • Has multiple add-on fees, depending on the level of service you need
  • Will not support some uncommon specialty areas

DrChrono

  • Full service plans
  • No minimum monthly guarantee
  • Start to finish claim submission
  • High percentage of success

>> Compare Quotes

DrChrono offers a full-service system. It includes EMR, practice management, and billing services that’s perfect for smaller practices.

(Note: You cannot be a DrChrono customer for medical billing services unless you also use its EMR software package.)

DrChrono claims a first pass success rate on insurance claims of up to 97%, which is extremely strong. This billing service delivers full service to its clients, regardless of size, including generating the codes for you.

Pros

  • Geared toward both general practices and specialty providers
  • Works with small practices with no minimum monthly guarantee
  • Will handle the claims submission process from start to finish
  • Offers a high percentage of success on first pass of insurance claims

Cons

  • Must be a DrChrono EMR software client
  • May not work as well for larger practices

Human Medical

  • Best for smaller practices
  • Highly flexible plans
  • Personalized & customized service
  • Great customer service

>> Compare Quotes

Human Medical is an excellent choice if you’re looking for personalized, custom service. It is not a large company, but its customer service is strong. It is willing to work with its clients to come up with the best solution.

Human Medical does not offer other types of software, so it’s a nice choice for practices that already have EMR and practice management software in place and do not want to change vendors.

Its percentage charges are higher than average, so you will pay a bit extra for the flexibility you receive.

Pros

  • Highly flexible service
  • Handles all aspects of the claim generation process, including coding
  • Great for smaller practices
  • Very good customer service

Cons

  • Has no EMR or practice management software option
  • Percentage fees are a bit higher than average

Kareo

  • Flexible service plans
  • Works with resubmissions
  • Training options
  • Competitive pricing

>> Compare Quotes

Current customers of Kareo EMR and practice management software will definitely want to use them for medical billing. You’ll receive an excellent price on the Kareo medical billing service.

Kareo gives you flexibility in how you use its billing services, as it can handle the entire billing process from start to finish, or it can handle any single segment of the billing service. It also handles resubmissions as required.

You will have to pay a setup fee and a monthly minimum with Kareo, but these amounts are reasonable versus some others.

Pros

  • Competitive pricing
  • Handles all aspects of medical billing, if desired
  • Works with resubmissions
  • Nice level of training options

Cons

  • Must use Kareo’s EMR and practice management software
  • Some questions about its customer service reliability

How to Choose The Best Medical Billing Service For You

Finding the right service for you can be tricky (to say the least).

Luckily, we can help.

Below is the exact methodology we used when determining our list. Use it for your own research process too.

Price

Cost is a significant differentiator among RCM services. As a start, the majority of medical billing services will charge you a percentage of the revenue they run through the billing process. Around 6% is average, but some RCMs charge as much as 9% or 10%.

But price isn’t the only factor. You also need to fully understand how the biller calculates the percentage. In addition to the amount of the insurance claims the RCM runs for you, the amount on which the RCM bases the percentage also may include:

  • Any clearinghouse fees you pay
  • Any copays you collect before the appointment

The RCM may charge you additional fees for extra features, such as the total number of claims you file per month and the number of different insurers you use. Be certain you fully understand the service’s fee structure before signing any contract.

The RCM also may have a minimum amount it will charge you each month. If you are a small practice that doesn’t generate enough claims to reach this minimum amount, it will end up costing you quite a bit more than a straight percentage vendor.

Contract

The medical billing service likely will want you to agree to some sort of contract length before it takes on your practice as a client. This is a common occurrence among RCMs.

A minimum contract length will be one year, but you often find billers that want you to sign up for a two- or three-year contract. Some even use five-year contracts. You can try to negotiate shorter contract periods, but success rates are hit and miss.

The good news with a contract is you will know what your costs will be for the length of the contract. The biller shouldn’t change the billing rate on a whim during the contract period.

Pay attention to any fees and penalties you must pay if you want to cancel the contract early. Should the medical billing service fail to meet the guidelines for performance spelled out in the contract, make sure the contract allows you to cancel the service without penalty.

If you need a particular service that might not be part of the company’s normal services, you should make sure that the guarantee of this extra service is part of your contract. Don’t just take a customer service representative’s word that you will receive the extra service. 

Once you have a contract in hand, you likely will want to have your legal team or legal representative review the contract on your behalf. 

Most of the time, any contract the medical billing service provides to you should be straight forward. However, you don’t want to sign a legally binding contract that misrepresents how you believe the relationship will work.

Guarantees on Coding

If you find a low priced medical billing service, it may be because the service expects you to take care of the initial coding on insurance claims. Using proper coding is a significant part of filing insurance claims properly, and incorrect coding leads to rejected claims. You’ll want a medical billing service that is able to achieve successful claim submissions at a high percentage the first time, which reduces delays in receiving payments.

If your practice struggles with making coding errors, you may want to find a medical billing service that handles all of the coding for you. Be certain that the service hires only certified coders, ensuring you receive the most accurate possible results.

The service needs to be able to handle the ICD-10 coding system, which most can. (And it should have plans in place for how it will migrate to ICD-11 after this system’s adoption in the near future.)

If you have someone on staff who has success with generating insurance coding, you probably can save some money with a medical billing service by generating the codes yourself.

Managing Denials

When selecting the best medical billing service, figure out how the RCM handles claims that the insurance company denies. Will the billing service fix and resubmit any denied claims?

Some services will not resubmit a claim if the mistake occurred on your end, not without charging you an additional fee. Others will fix everything as part of your base price, regardless of where the mistake originated.

Working With Specialties

If you engage in an area of specialty at your practice, your insurance coding can be a challenge. Before picking a medical billing service, make sure it has the ability to handle your specialty needs, especially if they generate some uncommon insurance billing codes.

Working With Your Software System

For the smoothest possible integration of your billing needs, look for an RCM that is able to connect with your EMR system. If the medical billing service can pull the necessary data directly from your system, this will reduce errors in submitting claims.

Some medical billing services have their own EMR and practice management systems. If you match the biller to the software you’re already using, it can deliver the maximum efficiency for your medical practice. In fact, some billers only will accept you as a client if you use the biller’s EMR and practice management software.

Additionally, the service also may be able to generate reports about the way your medical practice is operating, passing them directly into your practice management software. This helps you see which areas of your billing process may be hindering your practice’s growth and bottom line financials.

Working With Patients

Some medical billing services will be able to handle all aspects of billing, including working with patients on their accounts.

The service may take a variety of items off your plate, including:

  • Sending statements directly to patients
  • Monitoring the progress of patients making payments on a balance
  • Working out a payment plan
  • Turning over unpaid accounts to collections
  • Operating a patient portal where patients can make payments on account balances

Understand that some medical billing services will charge you extra for these patient management options, while others include them in the monthly percentage fee you pay.

Privacy Guarantees

It is vital that any medical billing service is able to follow all HIPAA rules and guidelines. As the service will be handling sensitive patient data, it must have a process in place to guarantee the safety of the information.

If you are working with an American-based company, you’ll have a better chance of receiving HIPAA compliance than if you’re using a foreign-based company.

Customer Support

Make sure the medical billing service you select allows you to contact it using the method you prefer, whether that is via email, telephone, or live messaging.

Some services offer customer support 24 hours a day and seven days a week, while others only offer support during normal business hours.

The Top Medical Billing Services in Summary

Doing medical billing properly does take significant time. You may not have the staff available to handle this key task. 

The best medical billing services will give you excellent and reliable results. These services keep you on track with your revenue stream and ensure you don’t fall behind on billing. When it’s done right, the only thing you and your patients have to think about is the copay.

Compare Quotes From The Best Medical Billing Services

Get matched up with a medical billing service that fits your specific needs.

>> Compare Quotes
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Compare The Best Business Loans

Want to jump straight to the answer? The best business loan for most people is from Bluevine or Lendio.

From startups to companies that have been around for decades, it’s not uncommon for businesses to seek funding at one point or another. Loans can cover operating costs, purchase new equipment, buy inventory, help with expansion, and more. 

Regardless of your company size or capital needs, you can find the best loan for your business using this guide.

Compare Quotes From The Best Business Loan Companies

Get matched up with a business loan that fits your specific needs.

Compare Quotes

Top 11 Best Business Loans for 2022

  • Bluevine — Best for established businesses seeking lines of credit up to $250,000.
  • Lendio — Best small business loan marketplace with 75+ lenders.
  • OnDeck — Term loans and lines of credit for business owners with a 600+ FICO score.
  • Fundbox — Best for new businesses in need of inventory or supplies from vendors.
  • Funding Circle — Best small business lender for loan terms up to five years.
  • Kabbage — Best for businesses with low monthly or annual revenue.
  • Lending Club — Best P2P lending marketplace for business loans.
  • Kiva — Microloans up to $10,000 at 0% interest for entrepreneurs.
  • SmartBiz — Best for SBA loans up to $5 million with 25 year terms.
  • Credibility Capital — Bank-backed loans for business owners with great credit.
  • CAN Capital — Best merchant cash advance for small business.
How to choose the best business loan provider. Quicksprout.com's methodology for reviewing business loan providers.

I’ll review each business loan below. You can use this information to decide which loan best fits the needs of your small business.

The Best Business Loan Reviews

Bluevine

Bluevine is one of the first places a business owner should look for a loan. You can get approved for a loan in just five minutes, and they have interest rates as low as 6.2%.

Applying online will not affect your credit score. Hard credit checks are only performed after you’ve reviewed and accepted an offer.

Bluevine offers lines of credit up to $250,000 with a decision made in just five minutes.

Bluevine’s main type of small business assistance comes in the form of a line of credit, which includes:

  • Revolving line of credit to $250,000
  • Only pay interest for the amount used
  • No prepayment penalties
  • Fast decision turnaround

The line of credit funds are available on-demand and very simple to request on the website. As your business grows and gets a better credit score, your line of credit will increase.

More than 20,000 business owners have used Bluevine for a loan. The company has provided more than $2 billion in loans to a wide range of business types across all industries.

There are some eligibility restrictions to consider. For example, to get a line of credit, you need to be in business for at least 24 months, earn at least $40,000 in monthly revenue, and have a 600+ FICO score.

This makes Bluevine a better choice for an established business as opposed to a startup company. Apply online.

Lendio

Lendio is unique compared to some of the other lenders on our list. That’s because you won’t be borrowing money directly from them.

Instead, Lendio operates as a small business loan marketplace. They have a national network of more than 75 different lenders. PayPal, American Express, and Bank of America are just a few of the many companies that you’re familiar with. You’ll even recognize some names from our list of the best business credit cards.

Simply fill out an application, and you’ll be matched with the top lenders and loan terms to meet your needs. This is the best way to compare business loans from a single platform.

It takes just 15 minutes to apply, and there’s no fee or obligation. Once approved, you can have access to your funds in as little as 24 hours.

Lendio works with lenders providing:

  • Business Lines of Credit
  • SBA Loans
  • Short Term Loans
  • Merchant Cash Advance
  • Business Term Loans
  • Business Credit Cards
  • Equipment Financing
  • Commercial Mortgages
  • Accounts Receivable Financing
  • Startup Loans
  • Business Acquisition Loans

Over $10 billion has been funded from 216,000+ loans in the Lendio marketplace. No matter what you need the capital for, Lendio is sure to have an option for you.

In some cases, Lendio will request additional information or documentation after you apply, which can sometimes be a pain. But if you’re not in a major rush to get a loan, this extra step is a non-issue. Apply online now.

OnDeck

OnDeck is a global leader in business financing. The company has loaned more than $13 billion to businesses across 700+ industries.

With OnDeck, you can access a term loan or a business line of credit. Here’s a quick overview of each option:

OnDeck Term Loan

  • $5,000 to $500,000
  • Term lengths from three to 36 months
  • Same day funding
  • Daily or weekly payments

OnDeck Line of Credit

  • Revolving line of $6,000 up to $100,000
  • 12-month term lengths
  • No prepayment penalties
  • Weekly payments

To qualify for a loan with OnDeck, regardless of the loan type, you must meet the following minimum requirements:

  • At least one year in business
  • Personal FICO score 600+
  • Annual revenue $100,000+
  • Established business bank account

With that said, the typical OnDeck customer has been in business for more than three years, has a personal FICO score above 650, and does $300,000+ in annual revenue.

There’s some conflicting information online about OnDeck. Some websites claim this is a good place for business owners with bad credit. But you’ll still need to meet the minimum FICO requirements.

OnDeck does not offer funding to businesses based in certain industries. For example, adult entertainment materials, firearms, drug dispensaries, gambling services, and vehicle dealers will need to seek a loan elsewhere. You can view the full list of OnDeck restricted industries here.

Fundbox

More than 100,000 businesses have trusted Fundbox to finance their small business loans.

Fundbox is known for its simplicity and transparent pricing. It’s a great option for small business owners who don’t meet strict qualification terms from other lenders.

To get approved for a Fundbox loan, you need to meet the following qualifications:

  • 500 minimum personal credit score
  • Have a business checking account
  • Provide three months of business banking activity
  • Be registered in the US

Fundbox specializes in trade credit, which is also known as vendor credit or net terms. In these cases, your company can continue to purchase inventory and supplies directly from vendors. But the vender will be paid by the lender, and your business repays the lender based on your term agreement.

You can get interest rates as low as 4.66% with Fundbox. They offer 12 and 24-week term options for repayment.

Funding Circle

Funding Circle is a well-known and trusted name in the small business financing world. More than $10.9 billion has been lent to 77,000+ businesses throughout the globe on this platform.

It takes just six minutes to apply online for a loan from Funding Circle.

Access interest rates as low as 4.99% per year. You can borrow between $25,000 and $500,000 and pay it back between six months and five years.

This type of flexibility is one of the many reasons why Funding Circle is such a popular choice for small business owners.

Try the Funding Circle loan calculation tool on their website. It’s a great way to calculate your monthly payments based on the amount you want to borrow and the loan term.

One potential downside of using Funding Circle is that you’ll have to pay an origination fee. This fee ranges from 3.49% to 5.99%, depending on your term.

Funding Circle has loans specifically for minority business owners, businesses owned by women, business debt consolidation loans, and business acquisition loans.

Another reason why I like Funding Circle is because they provide excellent customer service. You’ll hear back from a personal loan specialist within an hour of applying. Once your offer has been approved and accepted, you can usually access funds the following business day.

Kabbage

Kabbage offers small business funding in the form of revolving credit. You can get a credit line of up to $250,000 from this online lender.

With Kabbage, the application process is simple. You’ll get a decision within minutes of applying online. With that said, you must connect your bank account so the system can review your business performance.

You have to meet the following minimum requirements to get a loan from Kabbage:

  • Business has been operating for at least one year
  • Revenue is $50,000 per year or $4,200 per month

This is a great alternative for business owners who don’t qualify for stricter revenue requirements that we’ve seen from other lenders.

Kabbage offers 6, 12, and 18-month loan terms with no prepayment penalties. However, you will pay a fixed monthly fee in addition to the financing rate. The monthly fee ranges from 1.5% to 10% of the principal loan amount. The good news is that there are no prepayment penalties if you want to pay your balance off early.

More than 200,000 businesses have used Kabbage to secure financing.

Lending Club

Lending Club offers a wide range of loan options. In addition to business loans, they provide auto refinancing, personal loans, and patient solutions for healthcare bills. Altogether, over three million customers have borrowed $50+ billion from Lending Club.

$28+ billion has been loaned to businesses.

Lending Club is another loan marketplace, similar to Lendio, which we reviewed earlier. However, Lending Club stands out because it’s a P2P lending network.

The money you borrow can come from individual investors.

In general, P2P lending has a reputation for high-interest rates since it involves more risk for the investor. But Lending Club has rates as low as 4.99% for qualifying borrowers.

Lending Club has business loans for:

  • Inventory
  • Debt consolidation
  • Marketing
  • Equipment
  • Remodels
  • Emergency repairs
  • Acquisitions

Another reason to consider Lending Club is the loan terms. You can get all of your capital in a lump sum upfront and repay it with fixed terms for up to five years. There are no prepayment penalties.

Loan amounts range from $5,000 up to $500,000. You can get funded in just a few days if you qualify.

To get a business loan from Lending Club, you must be in business for more than one year and have at least $50,000 in annual sales. You must own at least 20% of the business and be free of any recent bankruptcy or tax liens.

Loans over $100,000 require collateral.

Kiva

Kiva is a nonprofit organization. This allows them to offer business loans at 0% interest. Yes, you heard that right; 0%.

More than 2.5 million people have used Kiva to raise $1+ billion.

This platform is designed to create opportunities for entrepreneurs in the United States.

Benefiting from 0% interest does come at a cost. Kiva can only be used for microloans of up to $10,000. There is also a lengthy process to apply and get funded.

First, you’ll have to fill out an application that takes up to 30 minutes. Then you’ll spend 15 days getting your friends and family to lend you money “to prove your creditworthiness.” Next, you can go public on the Kiva marketplace, where your loan will be visible to more than 1.6 billion lenders across the globe.

Basically, Kiva is a mix between crowdfunding and P2P lending. You’ll have up to 36 months to repay the loan.

If you need fast access to large sums of cash, Kiva is not for you. But for small business owners who aren’t in a hurry to get a microloan, Kiva is the best way to avoid interest fees.

SmartBiz

In most instances, you’ll need to visit a bank to get an SBA loan. These are government-backed loans that give businesses access to cash at favorable rates.

Fortunately, you can get an SBA loan directly from banks in the SmartBiz marketplace.

SmartBiz has SBA loans for up to $5 million, with interest rates between 6.25% and 8.50%. Loan terms range between 10-25 years.

These favorable rates do come with stricter qualification terms. For example, get an SBA loan between $30,000 and $350,000 for working capital or debt refinancing, you must:

  • Be in business for 2+ years
  • Have a personal credit score above 650
  • Be a US citizen at least 21 years old
  • Own and operate the business in the US
  • No outstanding tax liens
  • No foreclosures in the past three years
  • No bankruptcies in the past three years
  • Be up to date on all other current government loan payments

SBA commercial real estate loans between $500,000 and $5 million have even stricter qualification terms:

  • Be in business for 3+ years
  • Personal credit score above 675
  • Real estate must be majority occupied (at least 51% of square footage) by your business
  • Sufficient cash flow to support debt
  • Provide three years of tax returns and financial information
  • No defaults or delinquencies on other government loans

While it’s harder to qualify, you’ll benefit from favorable lending terms. SmartBiz has other loans that aren’t SBA-backed. But I’d only consider using this platform if you’re seeking an SBA loan.

Credibility Capital

Credibility Capital specializes in small business loans. All of their loans are bank-backed, which gives them the ability to provide lower rates than other financing options on our list.

Loans range from $25,000 to $350,000.

Each loan is paid back monthly over one, two, or three-year terms. Interest rates start at 8%. There is no application fee. However, Credibility Capital charges origination fees starting at 3%. Fortunately, there are no prepayment penalties if you want to pay the loan off early.

Here are the eligibility requirements for Credibility Capital loans:

  • 2+ years in business
  • Business is currently generating revenue
  • Business owner is a US citizen
  • Strong personal credit
  • No bankruptcies in the last five years
  • Businesses located in Vermont, North Dakota, South Dakota, or Nevada are NOT eligible

The information on their website is fairly limited. You’ll need to start an application to see more details about your financing options.

CAN Capital

CAN Capital has been served 81,000+ businesses for more than 20 years. During that time, they’ve loaned more than $7 billion to small business owners.

With CAN Capital, you can get access to funding quickly with minimal paperwork. Most decisions are made within a few hours of applying, and funds can be released as soon as the next business day.

They offer loans from $2,500 to $250,000.

In addition to short-term business loans, CAN Capital also provides merchant cash advance programs. A merchant cash advance is more flexible. The repayment schedule is based on a percentage of future credit card receivables.

This is an excellent option for business owners who don’t want to be locked into fixed daily payments, which is required for CAN Capital’s short-term loans.

Repayment terms range from 6-18 months, regardless of your loan type.

There’s an origination fee of up to 3% on short-term loans. All merchant cash advance loans have a $595 administrative fee.

How to Find the Best Business Loan For You

With so many business loan options to choose from, finding the best loan for your small business can be challenging. Getting a business loan is a big deal, so don’t rush through this process.

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There are certain factors that must be taken into consideration when you’re evaluating a prospective loan or lender. This is the methodology that we used to narrow down the choices on our list. You can use the same criteria during your search.

Loan Type

All loans are not created equally. Some lenders offer a wide range of loan types, while others provide just one or two. Common types of small business loans include:

  • Installment Loans — Lump sum of cash paid back in fixed installments over the term length.
  • Business Line of Credit — Revolving line of funds that can be drawn at any time. Interest is only paid on the amount borrowed, as opposed to the full amount of the credit line.
  • SBA Loans — Loans with lower interest rates backed by the Federal government.
  • Short-Term Loan — Lump sum of cash that must be paid back in fixed installments over a shorter period than an installment loan. Some short term loans typically range from 12 weeks to 18 months.
  • Equipment Loans — Must be used to purchase business equipment. In many cases, the equipment is used as collateral to secure the loan.
  • Merchant Cash Advance — Money borrowed against future revenue, typically repaid as a percentage of daily or weekly credit card sales.

It’s important that you apply for the right type of loan. For example, certain loans can only be used for real estate. So you wouldn’t be able to use those funds to purchase inventory.

Lender Type

Decide what type of lender you want to borrow money from. Certain lenders offer more flexible terms or types of loans. Lenders typically fall into one of the following categories:

  • Big national banks
  • Small local banks
  • Credit unions
  • Alternative lenders
  • Loan marketplaces
  • Nonprofit lenders
  • Crowdfunding services
  • P2P lending

Qualification terms and interest rates vary based on the lender. For example, a P2P lending platform might offer loans to business owners with poor credit, but the interest rates will be much higher than an SBA loan from a bank.

Funding Needed

How much money do you need?

This will have a significant impact on choosing a loan and lender. Some lenders on our list only provide microloans of up to $10,000. Others offer loans in the $500,000 to $5 million range.

Make sure you choose a lending option that can provide you with adequate funding.

Interest Rates and Loan Terms

Before you accept a business loan agreement, review all of the terms. Some platforms have great tools to calculate the amount you’ll pay, including interest and other fees, over the term of your loan.

Shop around for the best interest rates for your loan type. If you have excellent credit, you’ll be able to get more favorable terms.

Always try to get the longest loan term for the lowest interest rate. I only recommend loans with no prepayment penalties. So you can pay it off early to avoid added interest charges.

Some loans come with other charges, like a fixed monthly fee or an origination fee. While a 3% origination fee might not sound like much, it gets quite expensive as you start looking at six-figure loans.

Qualification Requirements

Unless you have an outstanding credit score, you probably won’t qualify for every loan. Review the qualification terms before you apply to anything. Otherwise, you’re just wasting your time.

Common loan qualification terms include:

  • Minimum credit score
  • Location of business
  • Age of the business owner
  • Years the business has been operating
  • Minimum monthly or annual revenue

These requirements are usually easy to find on every lending website.

Funding Time

How fast do you need money?

In some cases, you can fill out an application online in just a few minutes and get a decision within the hour. Other times, the application process is a bit slower.

Some business loans provide same-day or next-day funding once you’ve been approved. You’ll have to wait days, weeks, or even months (rarely) in other cases to get your hands on cash from some lenders.

Unless it’s an emergency, getting next-day funding shouldn’t be the deciding factor. I’d rather get a loan with lower interest rates and favorable terms, even if it takes a bit longer to get funded.

The Top Small Business Loans in Summary

The best small business loans give you working capital for your business. These loans can range anywhere from $15,000 to $1+ million.

While you may be tempted visit your local bank or credit union. The best business loans typically come from online lenders and alternative financing options.

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