The credit-side expertise behind Filed Studios.
Kelvin Craver is a founder and investor — and a licensed mortgage loan officer (NMLS #2009272). Filed exists because he kept watching capable earners get structured wrong by services that file paperwork and disappear.
Fifteen years across real estate, private equity, and entertainment finance, plus a licensed mortgage practice focused on creator and self-employed income. That combination is the whole point: most LLC services know how to file a form. Almost none of them know what a bank, a lender, the IRS, or an eventual acquirer actually needs to see afterward.
Why Filed exists
The thesis is simple: same money, different shape. Two people can earn identical income — one gets debanked and denied a mortgage, the other looks like a clean, fundable business. The difference isn't the income. It's the structure underneath it: the right entity, a proper EIN, banking-ready documents, and a credit profile built the way underwriters read it.
Filed builds that structure on day one — diagnosed to your actual goals on a 20-minute strategy call, not stamped from a template. LLC or C-Corp formation, EIN, operating agreement or bylaws, registered agent and business address, a banking-ready document package, and a 24-month credit roadmap.