Why Investors and Entrepreneurs Shouldn’t Rely on Online Filing Services Alone

Online formation services promise fast, cheap business setup. But what you save in money, you may lose in legal protection, tax advantages, and long-term clarity. 

Here’s why serious business owners and investors should think twice before relying on online filing sites alone. 

1. They File—But Don’t Advise 

Online services help you file—but they won’t: 

• Help you choose between an LLC, S-Corp, or C-Corp 

• Explain how your choice affects taxes or funding 

• Customize your documents to fit your ownership structure 

Bottom line: You get cookie-cutter documents, not real strategy. 

2. They Skip Critical Steps 

Most online services don’t: 

• Prepare or file an EIN with the IRS 

• Create a real operating agreement or bylaws 

• Help you stay compliant with state and local laws 

• Advise on tax elections or licensing 

You’ll still need an attorney or accountant to do these things—or risk missing something important. 

3. You Might Not Be Protected 

Without the proper formation documents, your “LLC” or “Inc.” may not protect you from personal liability in a lawsuit. 

How We Help 

At Title Stream, we work directly with entrepreneurs, investors, and business owners to form entities the right way—from strategic planning to post-formation compliance. We don’t just file forms—we build legal protection.