Built for creators the banks rejected — and the structure they actually need.
The LLC, banking-ready documents, and tax structure that creators, founders, and self-employed operators actually need — built by a founder and investor who's been on the lender side of the table and reads tax returns the way underwriters do.
Same income. Different shape.
Structure today is what every institution after this — bank, lender, IRS, eventually an acquirer — is built to recognize. Most creators run six-figure businesses through personal-account plumbing. We replace the plumbing.
How much does the structure actually save you?
Drag the slider to your net creator income. The number on the right is a rough estimate of what an LLC + S-Corp election (executed by your CPA) saves on self-employment tax in Year 1. Illustrative only — your CPA does the actual analysis.
// Illustrative federal SE tax math: 12.4% Social Security on the first $176,100 of SE base (2026 projected — SSA finalizes in Oct), 2.9% Medicare on all SE base, +0.9% Additional Medicare above $200K. SE base = 92.35% of net (Schedule SE). CA includes the 1.5% S-Corp franchise tax ($800 min, R&TC §23802). NY includes the fixed-dollar minimum tax (§210.1). State income tax on personal earnings is not modeled — it applies regardless of entity. Actual savings depend on your CPA's reasonable-comp analysis. Filed is not your CPA — we partner with one.
If your income is self-generated, the structure is the same.
Every creator-economy platform routes through the same federal tax + state filing system. The strategy doesn't care about the platform — it cares about the income source.
Subscription-platform creators
OnlyFans, Fansly, LoyalFans, Fanvue. The OCC 2025 review put debanking on the federal record — structure is the fix.
Streaming & short / long-form video
YouTube, Twitch, Kick, TikTok. AdSense, subs, Creator Fund payouts, brand deals, Patreon tier income — all routed cleanly through one entity.
Newsletter + Substack
Subscription revenue, sponsorships, course launches. Reasonable comp + S-Corp is real money on six-figure newsletters.
Multi-platform
Most six-figure creators earn across 3+ platforms. One LLC, one bank, one tax return — instead of a 1099 patchwork.
What you're building determines what you should file.
LegalZoom files what you tell them. A startup lawyer charges $5K to tell you what to file. Filed does both — at one price, with the banking and 24-month credit roadmap most attorneys won't even touch.
The right structure depends on whether you're raising capital, scaling a real-estate portfolio, or building a creator business. We diagnose first, then execute. Three of the most common paths:
LLC vs C-Corp is a $3M+ decision at exit.
Most founders pick an entity in 30 minutes on LegalZoom and regret it at fundraise. The new QSBS rules (Section 1202, post-OBBBA July 2025) exclude up to $15M of federal capital gains at exit — but only on C-Corp stock. Pick LLC by default, lose access. Pay a startup lawyer $5K and you still won't get banking, S-Corp election timing, or credit prep.
The right entity from day one — C-Corp if you're raising, LLC if you're bootstrapping, with the S-Corp election timed for the moment it actually saves you money. Plus the QSBS clock starting on day one instead of resetting after a conversion.
C-Corp or LLC formation + EIN + the 83(b) workflow + banking-ready documents + the 24-month credit roadmap. Same scope as a $5K Cooley intro call, with banking-document prep and credit prep included — at $1,497.
Holding rentals in your personal name is a liability gun pointed at your assets.
Most RE investors hold rentals in their personal name (huge liability exposure) or jam everything into one LLC with no per-property separation. Then their DSCR or non-QM lender asks for entity documentation they don't have — and the financing falls apart at the closing table.
An LLC structure that matches the size of your portfolio today AND your DSCR / non-QM mortgage strategy 12–24 months out. Privacy-state filing where it makes sense (Wyoming / Delaware / NM). Plus the credit-side documentation lenders actually accept on the first pass — not the third revision.
LLC formation (single or umbrella) + EIN + banking-ready documents + DSCR-ready documentation + the 24-month credit roadmap from an NMLS-MLO who's been on the lender side. Complex multi-entity setups (Series LLC, HoldCo/OpCo, FLP, Reg D funds) referred out to vetted RE attorneys and tax strategists — Filed sets the foundation, specialists scale it.
LegalZoom sells you a kit. They don't tell you when to elect S-Corp.
Most creator entity services hand you an LLC and walk away. They don't time the S-Corp election, don't get your real name off public record, don't tell you which banks won't close your account, and definitely don't map the path from variable creator income to a non-QM mortgage approval 24 months out.
The structure that matches your revenue today and your trajectory in 24 months — including the debanking-resistant banking foundation banks won't yank, the S-Corp election timed when SE tax savings clear $10K/yr, and the path to lender-eligible if you ever want to buy a house.
LLC formation + S-Corp election timing + privacy-state filing (WY / DE / NM) + a creator-friendly bank shortlist + application strategy + the 24-month roadmap. By a founder and NMLS-registered MLO who's seen the lender side of creator debanking firsthand.
LegalZoom files paperwork. A lawyer charges $5K. Filed does both.
The market splits between cheap-and-template-driven (LegalZoom, Tailor Brands, Doola) and expensive-with-real-advice (startup attorneys, BigLaw). Nobody between $500 and $5K bundles diagnostic guidance + banking-ready documents + lender-readiness under one roof. That's the gap Filed fills.
I've built companies and sat on the lender side of the table. What you're paying me for is knowing what the next institution needs to see.
A founder and investor with 15 years across real estate, private equity, and entertainment finance — plus an NMLS mortgage license that means I read tax returns and bank statements the way underwriters do. Filed Studios is the structure I build so banks say yes, CPAs can elect S-Corp cleanly, and lenders can evaluate self-employed income two years out.
One price. Diagnostic + delivery. Done in a week.
No tiers. No upsells. No hourly creep. The 20-minute diagnostic call maps your goal to the right entity — LLC or C-Corp — plus when to elect S-Corp tax treatment, and then we execute the filing. Complex structures (Series LLC, HoldCo, FLPs, Reg D funds) referred to vetted attorneys and tax strategists.
Diagnostic strategy call + the right entity formation (LLC or C-Corp) + banking-ready documents + the 24-month credit roadmap. Delivered in under seven days for WY / NM / DE.
- 20-min diagnostic strategy call — entity choice (LLC or C-Corp), state recommendation, foreign-filing walkthrough, bank shortlist, S-Corp election timing, 24-month roadmap
- Entity formation — LLC or C-Corp (Wyoming, Delaware, NM, or home state)
- EIN issuance + operating agreement / bylaws matched to your goals
- S-Corp election timing guidance + 83(b) workflow (C-Corp) — actual S-Corp filing executed by your CPA partner
- Registered agent · year 1 included
- Banking-ready document package — everything a bank asks for, structured as a low-risk standard business (you open the account; we make you bankable)
- NMLS-MLO credit + lender-readiness roadmap (non-QM, DSCR, SBA — whichever applies)
- 5–7 day turnaround (WY / NM / DE; CA / NY longer)
- 1-hour onboarding call + direct line to Kelvin
Pick where you're leaning — we confirm the right state on your 20-min call. If your recommended state's fee differs, we adjust it (small refund or top-up).
What's outside Filed's scope.
Filed stays focused on what we do well — LLC and C-Corp formation, banking-document prep, and credit prep. Anything more complex gets referred to a real-estate attorney, tax strategist, or CPA we vet for fit.
Questions, answered plainly.
Do you work with OnlyFans creators?
Does this help me qualify for a mortgage later?
LLC or C-Corp — which one is actually right for me?
Will my real name show up on the LLC?
Are you my attorney or CPA?
Refund policy?
Stop hoping the bank doesn't notice. Build infrastructure that doesn't need them to like you.
The 20-minute strategy call is included in the $1,497 setup — you'll leave with a state recommendation, a 3–5 bank shortlist, S-Corp timing, and a 24-month roadmap. Whether you hire us for the filing after is up to you.