Bizee is better for a standalone filing. looch Start is built for what comes next.
Bizee is a credible choice when you want a formation service with a long operating history, a low entry offer, and a broad menu of add-ons. looch Start is the better fit when formation needs to lead straight into an EIN, financial accounts, Smartcards, payments, and accounting in the same app.
That difference matters because a company isn’t operational when its filing is accepted. Founders still need to establish the company’s tax identity, manage money, pay for work, accept payments, and keep the books current. Bizee handles the formation step. looch Start is designed to carry the founder from formation into the financial system they’ll run every day.
Both are real options. They serve different decisions.
looch is operated by Simplicity Fintech Inc, a financial technology company, not a bank. Account services are provided in partnership with Stripe, and funds are held at Fifth Third Bank N.A., Member FDIC (source: looch.money). Smartcards are issued by Celtic Bank via Stripe. Bizee is a formation and registered agent service. It is not a financial accounts provider.
Bizee has a proven formation model and a strong entry offer
Bizee, formerly Incfile, is one of the best-known names in business formation. That recognition is meaningful. A founder who wants a familiar provider with substantial filing experience, a web-based workflow, and a service catalog beyond entity formation has a reasonable case for choosing Bizee.
Its Silver plan is advertised at $0 plus the state filing fee, and Bizee includes registered agent service at no additional cost for the first year across its packages (source: bizee.com). That’s a strong offer for someone who wants the minimum filing service now and is comfortable deciding on other services later.
Bizee also offers lifetime company alerts for filing deadlines, including annual reports and business-license reminders (source: bizee.com). For a founder who wants reminders without moving their broader financial work into a new platform, that’s a practical benefit.
Its add-on catalog is another genuine strength. Bizee offers services such as EIN acquisition, operating agreement templates, business contracts, domain names, business email, and business phone numbers. A founder who prefers to select services individually from a single formation vendor may find that breadth useful.
Bizee also has public reviews at a scale that a newer product cannot match. If social proof, an established formation brand, and a familiar filing flow matter more than an integrated financial stack, Bizee deserves serious consideration.
Bizee’s low headline price does not describe the full setup
The tradeoff is that Bizee’s entry price isn’t an all-in formation price. The Silver tier is $0 plus the state fee. The EIN is a paid add-on at that tier, expedited filing is an upgrade, and the state filing fee remains separate (source: bizee.com).
Bizee’s Gold package is $199 plus the state fee, while Platinum is $299 plus the state fee (source: bizee.com). A comparable package can reach around $441 once the state fee and relevant add-ons are included (source: looch.money/start). That doesn’t make Bizee misleading. It means founders should compare the package they actually need, rather than the first price shown on the page.
The same is true of registered agent costs after the included period. Bizee’s registered agent service renews at $149/year (source: bizee.com). That can be perfectly acceptable for a founder who values Bizee’s track record and only needs formation support. It becomes more important to compare when the founder expects the provider relationship to continue for years.
Bizee also stops at formation. It doesn’t provide business financial accounts, issue Smartcards, accept payments, or run real-time accounting. After the entity is formed, the founder still needs to choose financial products and connect them independently.
That’s not a gap for everyone. Some founders already have accounts, an accounting system, and a preferred card provider. For them, Bizee’s narrower role may be exactly right.
looch Start turns formation into an operating business setup
looch Start is for founders who don’t want to assemble formation, accounts, spend controls, payments, and books from separate vendors. It forms the entity, gets the EIN, and then lets the founder onboard into looch’s financial products in the same mobile-first app.
The all-in formation price is $249, including the state filing fee (source: looch.money/start). There is no tiered package to reach the stated formation scope. That includes the EIN and a virtual office with registered agent service.
looch Start supports a VC-ready Delaware C corporation, Delaware LLC, Wyoming LLC, and Florida LLC. The right choice depends on how the business will operate, where it has obligations, and whether it expects to raise institutional capital. Founders weighing the fundraising path can read why founders pick a Delaware C corporation. Founders deciding between common LLC options can use the Delaware LLC versus Wyoming LLC framework.
looch Start also supports founders who don’t have an SSN or ITIN. The EIN workflow is part of formation rather than an extra purchase. looch delivers the official IRS confirmation letter through the in-app virtual office (source: looch.money/start).
Registered agent and virtual office service renew at $49/year, with additional states at $49/year (source: looch.money/start). That’s lower than Bizee’s $149/year registered agent renewal (source: bizee.com). The virtual office provides a business address, registered agent service, and mail scanning, helping founders keep a personal address off relevant public records where their chosen state permits it.
For a founder building toward a venture-backed company, looch Start includes the core formation documents needed for that path. Single-member LLCs receive an operating agreement. S corporation election support is available in the app at no cost (source: looch.money/start).
looch continues after the filing is complete
The most important difference isn’t a document or a filing feature. It’s what happens after the state accepts the entity.
With looch, the founder can onboard into no-fee business accounts in the same app after formation. From there, they can issue Smartcards, accept payments, manage spending, and use real-time accounting that automatically enters and categorizes transactions.
That creates one operating system for the company instead of a formation service followed by separate applications for accounts, cards, payment acceptance, and books. It’s a better model for a founder starting from zero. It’s less compelling for a founder who has already assembled those tools and only wants a filing service.
looch Start and Bizee solve different parts of the founder’s job
| Feature | looch Start | Bizee |
|---|---|---|
| All-in formation price | $249, state filing fee included (source: looch.money/start) | Silver advertised at $0 plus state fee; total climbs with add-ons, around $441 for a comparable package (source: looch.money/start) |
| Entity types | VC-ready Delaware C corp, Delaware LLC, Wyoming LLC, Florida LLC | LLC and corporation formation across the US (source: bizee.com) |
| State filing fee | Included in $249 (source: looch.money/start) | Added on top of package price (source: bizee.com) |
| EIN without SSN or ITIN | Included as part of the formation workflow (source: looch.money/start) | EIN is a paid add-on on Silver and included from Gold; available through Bizee’s filing workflow (source: bizee.com) |
| Filing workflow | Formation and EIN lead into financial onboarding in the looch app | Formation-focused web workflow (source: bizee.com) |
| Registered agent at formation | Included | Included at no additional cost for the first year (source: bizee.com) |
| Registered agent renewal | $49/year, additional states $49/year (source: looch.money/start) | $149/year (source: bizee.com) |
| Virtual office | Business address and mail scanning included in formation (source: looch.money/start) | Registered agent service, without a bundled virtual office (source: bizee.com) |
| VC-ready formation documents | Included for the Delaware C corporation path (source: looch.money/start) | Formation documents and templates vary by package (source: bizee.com) |
| Operating agreement | Included for single-member LLCs (source: looch.money/start) | Included with selected packages (source: bizee.com) |
| S corporation election support | Available in-app at no cost (source: looch.money/start) | Available through Bizee’s service options (source: bizee.com) |
| Privacy guidance | State-specific privacy considerations built into entity selection | Depends on the state and service selected |
| Compliance reminders | Managed through the looch app | Lifetime company alerts are included (source: bizee.com) |
| Add-on catalog | Focused on formation and the financial stack that follows | Broad catalog of business add-ons (source: bizee.com) |
| Formation track record | Newer formation-to-banking product | Established formation provider with significant public review volume (source: bizee.com) |
| Mobile-first operating tools | Financial accounts, Smartcards, payments, and accounting in the app | Formation dashboard and services (source: bizee.com) |
| Financial accounts after formation | No-fee business accounts, Smartcards, payments, and real-time accounting in the same app | Not offered as part of Bizee’s formation service |
The rows that favor Bizee aren’t footnotes. Its established brand, low-entry Silver plan, lifetime company alerts, and broad add-on catalog are real advantages. The rows that favor looch matter most when the founder wants to form a company and immediately begin running it.
Choose Bizee when formation is the whole assignment
Bizee is a strong choice when you need a standalone filing service and don’t need an integrated financial product afterward.
Choose Bizee if you want:
- A familiar formation provider with a substantial public track record
- An entry plan advertised at $0 plus the state filing fee
- Registered agent service included for the first year
- Lifetime alerts for ongoing company deadlines
- A broad catalog of optional services, including business identity and document tools
- The freedom to choose separate providers for accounts, cards, payments, and accounting
That last point is important. Using separate providers isn’t inherently worse. A founder with established banking relationships, an existing accounting workflow, or specialized needs may actively prefer a formation-only provider.
Choose looch Start when formation needs to become financial operations
looch Start is the stronger choice when the entity is the beginning of the work, not the finish line.
Choose looch Start if you want:
- A transparent $249 all-in price that includes the state filing fee (source: looch.money/start)
- Registered agent renewal at $49/year rather than $149/year with Bizee (source: looch.money/start, bizee.com)
- An EIN workflow that works even without an SSN or ITIN
- A virtual office, business address, and mail scanning alongside formation
- Formation documents suited to a venture-backed Delaware C corporation path
- A route from entity formation into accounts, Smartcards, payments, and real-time accounting in the same app
This is the looch-specific advantage. The product isn’t trying to sell every small business add-on. It is designed to remove the handoff between forming a company and operating one.
The decision comes down to the stack you want after formation
Ask what you expect to do after the filing is complete.
Do you only need an entity filed? Bizee’s entry offer and formation experience make it a sensible choice. You can select the add-ons you want and bring your own financial stack.
Do you want one provider for the company and the operating tools around it? looch Start gives you formation, an EIN, virtual office services, accounts, Smartcards, payments, and accounting in one mobile-first product.
Are you comparing long-term costs? Compare the full package, not the entry price alone. A comparable Bizee package can reach around $441, with registered agent renewal at $149/year after the included period (source: looch.money/start, bizee.com). looch Start is $249 all-in and renews at $49/year (source: looch.money/start).
Are you forming for a venture-backed path? The entity choice and formation documents matter early. looch Start is purpose-built around the Delaware C corporation route, while Bizee is the better fit for founders who want a broad, general formation catalog.
Bottom line
Bizee is a legitimate choice for founders who want an established formation provider, a low entry offer, lifetime compliance alerts, and a wide set of optional business services.
looch Start is the better Bizee alternative for founders who want their company formation to lead directly into the financial tools required to run the company. It combines formation, an EIN, virtual office services, no-fee business accounts, Smartcards, payment acceptance, and real-time accounting in one app.
Ready to form the company and open your accounts in one place? looch Start forms your entity, gets your EIN even without an SSN, and onboards you into financial accounts for $249 all-in, including the state filing fee (source: looch.money/start). Review the full product scope on the looch pricing page.
