For first-time founders — free account, no credit card
Business Formation Coach walks you from idea to registered, banked, and running — one stage at a time, with the tools and knowledge built in so you're never guessing, and never overpaying for what your state hands out free.
Takes about a minute. Already have an account? Log in.
The problem
LLC or sole prop? EIN before or after the bank? Which license actually applies to you? The paperwork is scattered across a dozen sites, and half of what shows up when you search is a paid service standing between you and a free government form.
Not confidence that you're structuring it right, pricing it right, or walking into a bank with the documents they'll actually ask for — and no way to find out except by getting it wrong first.
The information exists. It's just buried, or sold back to you at a markup. That's backwards for someone who hasn't made a dollar yet.
Who's guiding you
Built by One With Digital, this guide exists so you get the direct path — the same free forms, the same real numbers, the same honest tradeoffs we'd walk a friend through.
Free EIN application straight to IRS.gov. Direct links to file your LLC with your own state — often for less than a formation service charges to do the same paperwork.
One With Digital works directly with small businesses on formation, banking, and marketing. This guide comes from that work, not from paraphrasing someone else's blog post.
Pricing models, chart of accounts, target customers — every abstract concept comes with a worked example from an actual small business.
The plan
Idea validation to ongoing compliance, in order — or skip to wherever you already are. Each one covers a single decision, start to finish.
An entity selector, a break-even calculator loaded with real industry numbers, side-by-side bank and credit-card comparisons — answers to specific decisions, not a generic quiz.
Your target customer, pricing, costs, and entity choice collect automatically as you go. Finish the guide, and one click turns it into a plan you can print or hand to a lender.
The payoff
Not a fill-in-the-blank template. Your target customer, pricing rationale, costs, entity choice, and marketing plan — collected naturally as you work through the guide — become the actual input for a professionally written plan, ready to print or save as a PDF.
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Executive Summary
Riverside Cleaning Co. provides biweekly residential cleaning for working parents in mid-size cities who don't have time for a deep clean...
Financial Plan
With a contribution margin of $105 per cleaning job and monthly fixed costs of $330, break-even is roughly 4 jobs per month...
No credit card, no catch — just an email and a password.