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Incfile vs Swyft Filings Comparison

Written by:

Carolyn Young is a business writer who focuses on entrepreneurial concepts and the business formation. She has over 25 years of experience in business roles, and has authored several entrepreneurship textbooks.

Edited by:

David has been writing and learning about business, finance and globalization for a quarter-century, starting with a small New York consulting firm in the 1990s.

Incfile vs Swyft Filings Comparison

Setting up a business entity is an integral step in starting a business, and given its complexity and tedium, many business owners opt for professional help to ensure accuracy. These business formation services frequently provide additional services beneficial to new business owners.

Two top-notch online services in this domain are Incfile and Swyft Filings. To guide you in selecting the right one for your business needs, we’ve conducted a detailed review of their services, analyzing them from an entrepreneur’s viewpoint. Continue reading to make an informed decision that will set your business on the path to success.

Services Overview

Business Formation Service
Incfile
Swyft Filings
Plans and Pricing
3 plans: Silver, Gold, and Platinum; $0 – $299 + state filing fees
3 plans: Basic, Standard, and Premium; $0 – $299 + state filing fees
Registered Agent Service
Free for one year in all plans, then $119 annually
Not included, $199 annually
Operating Agreement
Included in Gold and Platinum
ncluded in Standard and Premium; $35 for Basic
Annual Report Service
Lifetime company annual report alerts included in Gold and Platinum
Not included, $99 + state fees, or included in the Annual ComplianceGuard Subscription (free for 14 days, then $149)
Processing Time
Varies from the state; Incfile will pass your data to the governing body in 1 day.
Same day, Standard, and Express
Customer Support
Chat, email, phone; Mon – Fri 9am – 6pm CST
Chat, email, phone; Mon – Fri 9am – 6pm CST
Business Documents Online Library
Nine free templates in Silver and Gold, full package in Platinum plan
Top-tier plan only
Other Services Offered
Business compliance services, IRS filings, free tax consultation, business banking, domain name and email address
Digital Corporate Kit, Seller’s Permit, Corporate Bylaws and Resolutions, Banking Resolution
Number of Business Served
Over 1 million since 2004
More than 300,000 since 2015
Money Back Guarantee
No
No, but they offer a 100% satisfaction guarantee

Our Verdict

Following an in-depth evaluation, it was a close contest, but we concluded that Incfile provides superior value, mainly due to their more affordable registered agent services, which are offered free for the first year.

By opting for Incfile, you stand to make some savings and are likely to benefit from top-tier customer service. While Swyft Filings’ main strength lies in their prompt turnaround times, overall, we recommend Incfile.

Pricing

Turnaround Time

Help and Support

Customer Satisfaction

Ease of Use

Overall Score: 4.2/5

Learn More

Pricing

Turnaround Time

Help and Support

Customer Satisfaction

Ease of Use

Overall Score: 4.4/5

Learn More

While it was a tough call (and we’re rating Swyft Filings higher), we feel that Incfile offers a better overall value, particularly since their Silver Package is free except for the state fees.

Pros and Cons

Pros

  • Affordable, with a free plan that includes all the basics
  • Unlimited name searches
  • Free registered agent service for a year
  • Access to an online dashboard for paid plans
  • Unlimited access to phone and email support

Cons

  • Customer service may be less responsive than other services
  • Limited legal services available
  • Limited customer support hours, no weekend availability

Pros

  • Competitively-priced packages offer good value
  • Fast turnaround times
  • Personalized customer service specific to your needs
  • Quick and easy purchase process
  • Good rating with the Better Business Bureau

Cons

  • Registered agent services not included in packages and pricier than competitors
  • Significant upselling
  • Uses third parties for some services

Plans and Pricing – Winner: Incfile

Incfile

Incfile’s formation services are free, also providing a year of free registered agent services. After the first year, the registered agent service renews at $119/year. The Gold ($199) and Platinum ($299) packages offer substantial features, justifying their cost.

Swyft Filings

The Basic package is free of charge, suitable for budget-conscious entrepreneurs, and includes company name verification, document filing, and lifetime support.

The Standard pPackage, priced at $199, adds a federal tax ID, custom operating agreement, and corporate bylaws, serving businesses seeking more legal aid.

The $299 Premium package expedites filing and offers a business website and hosting, and a digital LLC kit, making it a one-stop solution for comprehensive business services.

The registered agent service is not included, and it is priced at $199 annually.

Experience – Winner: Incfile

Incfile

Incfile, established in 2004, has aided in the formation of over 1 million businesses.

Swyft Filings

Swyft Filings was founded in 2015, and they have formed over 300,000 businesses.

Customer Support – Winner: Incfile

Incfile

We tested Incfile’s customer service channels thoroughly, including chat, email, and phone. The response times were impressive across all platforms: with almost instant replies on chat, immediate phone pickup, and an email response in less than a day. You can expect clear and helpful information from Incfile’s customer support, ensuring your queries will be handled efficiently and promptly.

Swyft Filings

Swyft Filings’ customer support team can be reached via phone, email, and chat form during business hours. Their online chat operates more like a contact form, typically responding within 24 hours. The phone support is notably useful, and in our interactions, we experienced no upselling from the customer service representatives.

Turnaround Times – Winner: Swyft Filings

Incfile

Incfile guarantees same-day processing for their Premium plan and 24–48 hours filing time with the Silver and Gold plans. The turnaround time is state-dependent, but usually, it takes around three weeks to form your business. Incfile provides a valuable comparison tool to help you estimate your turnaround time.

Swyft Filings

The Basic package assures filing within 10 days. The Silver package quickens the process with a 5-day filing period. For immediate needs, the Premium package offers same-day filing. However, it’s important to note that actual incorporation times can fluctuate based on the specific state and the volume of requests being processed.

Customer Reviews – Winner: Incfile

Incfile

Incfile has over 14,000 customer reviews on Trustpilot alone, with the majority of them sharing highly positive customer feedback.

Swyft Filings

Swyft Filings has similar ratings as LegalZoom. Over 6,200 online reviews indicate positive customer satisfaction; however, lately, there have been negative experiences with add-ons and third-party services.

Ease of Use – It’s a tie between the two

Incfile

The process of forming a business with this service is fast, simple, and user-friendly. The upgrade options provide clear and useful information rather than being pushy. However, the lack of a feature to save your progress can be inconvenient if you need to step away and return later.

Despite this, the website overall is straightforward and easy to use, particularly if you’re prepared to finish the entire process in one go.

Swyft Filings

The initial formation process with Swyft Filings is generally swift, simple, and straightforward. One disadvantage is the inability to see all the details of the three plans before starting your filing, making upfront comparison challenging.

Throughout the process, there’s an ongoing upsell of services, which some may find annoying.

Additional Services – It’s a tie between the two

Both of these companies provide several similar supplemental business services, such as registered agent service, obtaining an EIN, annual reports, amendments, and dissolutions, among others.

However, each company also provides unique services not offered by the other. Swyft Filings, for instance, offers seller’s permit services, while Incfile provides financial and accounting services, along with free tax consultation.

FAQs

Why should I use a business formation service to start my LLC?

Using a business formation service to start your LLC frees you up to focus on growing your business. These services handle the filing process for you and offer additional services that can make life easier for a new business owner.

What should I take into consideration when choosing the right business formation service for my LLC?

When assessing whether or not a business formation service is right for you, it’s important to dive into the following four categories: included features, customer service, pricing, and turnaround time.

Where can I learn more about what real customers think of the various business formation services?

To learn more about the customer experience at a particular business formation service, check out the reviews and ratings on the Better Business Bureau and Trustpilot websites.

Is IncFile a good business formation service?

Incfile is great for entrepreneurs on a budget, as their Silver Package covers the basics and includes a free year of their registered agent service. Competitors like LegalZoom and Swyft Filings have a more robust suite of services but can be more expensive.

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Incfile vs Swyft Filings Comparison