DelawareLLC.co vs Swyft Filings: Honest comparison for Delaware LLCs.
DelawareLLC.co costs $397 all-inclusive in year one. Swyft Filings costs $308. We compared speed, support, hidden fees, and what happens after your Certificate of Formation is filed. Last updated: June 12, 2026.
Quick answer: Which is better?
DelawareLLC.co is better for founders who want a dedicated human specialist on WhatsApp, hands-on help with US bank account approval, and Stripe setup support — all for a flat $397 that includes the $110 Delaware state fee, EIN, operating agreement, and registered agent. Swyft Filings charges $308 in year one, and that does not include the $110 state fee in the advertised price. They do not assign a dedicated specialist. They offer no bank account application help. Over five years, DelawareLLC.co costs roughly $1,250. Swyft Filings costs roughly $904.
Swyft Filings vs DelawareLLC.co — key facts at a glance.
Why founders switch from Swyft Filings to DelawareLLC.co.
Swyft Filings was founded in 2012 and is headquartered in Houston, Texas. Swyft Filings is a Houston-based formation service known for its $49 Basic package. The true year-one cost is $308 once you add the $110 state fee and $149 registered agent. It works well for founders who want the lowest possible base fee and plan to handle post-formation steps themselves.
The problem is what happens after your Certificate of Formation is filed. With Swyft Filings, the level of ongoing support depends on the plan you purchased. There is no single person assigned to your company, so you explain your situation to a new agent every time you contact support. Bank account applications are entirely your responsibility. If you are a non-US founder without an SSN, rejection rates are high, and Swyft Filings offers no troubleshooting help.
DelawareLLC.co was built specifically to solve this post-filing gap. For a flat $397, you get a named specialist who contacts you on WhatsApp within hours of signup, files your Certificate of Formation in 48 hours, submits your EIN application, drafts your operating agreement, includes a Delaware registered agent, and then stays with you through bank account applications, Stripe approval, and every annual compliance deadline. Your specialist does not disappear after filing. They stay for as long as you operate your Delaware LLC.
Here is the full financial picture. Swyft Filings costs $308 in year one before you even add essentials like the operating agreement or EIN. Over five years, that grows to roughly $904. DelawareLLC.co costs a transparent $397 in year one and roughly $1,250 over five years — while including a human who handles your annual franchise tax, banking, and payment processing. See exactly what is included, or read how the process works step by step. If you are forming from outside the US, our Delaware LLC for non-residents guide covers EIN-without-SSN, banking, and Stripe in detail.
Swyft Filings is a fast US filer that leans on upsells; the entry price climbs once you add the operating agreement, EIN, and registered-agent renewal. It is built for US residents, not non-resident banking and Stripe. DelawareLLC.co is one flat $397 with a named specialist.
How DelawareLLC.co and Swyft Filings compare step by step.
Sign up and specialist assignment
You message us on WhatsApp. A named specialist replies within minutes, confirms your LLC name, and explains exactly what you need.
You fill out an online form on swyftfilings.com. Support is handled through Phone and Email.
Certificate of Formation filing
Filed with Delaware within 48 hours. Stamped copy sent to you on WhatsApp.
Filed in 5 to 10 business days (Basic), 1 to 3 days (Premium). Stamped copy sent via email or portal.
EIN application
Submitted to the IRS immediately. Tracked weekly. Non-SSN applicants take 2-4 weeks, and we follow up with the IRS if delayed.
You submit yourself, or pay an extra fee. 3 to 5 weeks, or $70 expedite. No follow-up if delayed.
Bank account application
We apply with you to Mercury, Relay, or Wise. If rejected, we find alternatives and apply again until you are approved.
Not included. You research and apply entirely on your own.
Stripe and payment processing
We set up your Stripe account and troubleshoot rejections. If Stripe declines, we set up PayPal, Payoneer, or Wise Business.
Not included. You handle Stripe setup and rejections alone.
Ongoing compliance and renewal
Your specialist tracks your $300 annual franchise tax, reminds you 60 days before, and can pay it on your behalf. Always available on WhatsApp.
Limited or no ongoing compliance help. You track deadlines yourself.
Side-by-side comparison table: DelawareLLC.co vs Swyft Filings.
| Capability | Swyft Filings | DelawareLLC.co |
|---|---|---|
| Year-one total cost | $308+ state fee | ✓$397 (state fee included) |
| Year-two cost | $149 + taxes | ✓$99 agent + $300 franchise tax |
| Filing speed | 5 to 10 business days (Basic), 1 to 3 days (Premium) | ✓48 hours |
| Who handles your filing | Support queue / self-service | ✓One named specialist |
| Support availability | Business hours, Central Time | ✓WhatsApp, 7 days a week |
| Languages | English | ✓English, Hindi, Urdu, Spanish, Arabic, Portuguese + more |
| Operating agreement | Costs extra | ✓Lawyer-templated, included |
| EIN application | Costs extra | ✓Included, tracked weekly |
| Bank account help | Not included | ✓We apply with you until approved |
| Stripe setup | Not included | ✓Set up + alternatives if rejected |
| Ongoing compliance | Not included | ✓Specialist handles it for you |
| Refund guarantee | Refund before filing begins | ✓Full refund if we cannot file |
Pricing breakdown: What you actually pay with Swyft Filings.
- Formation service: $49
- Delaware state fee: $110 (added at checkout)
- Registered agent: $149
- Operating agreement: $99 extra
- EIN application: $70 extra
- Formation service: included
- Delaware state fee: included
- Registered agent, year one: included
- Operating agreement: included
- EIN application: included
- Bank account help: included
- Stripe setup: included
Timeline: From signup to bank account.
Specialist contacts you on WhatsApp, confirms name, gathers info.
Online form submitted. Auto-confirmation email sent.
Certificate of Formation filed with Delaware. Stamped copy sent.
Processing begins. Filing completed in 5 to 10 business days (Basic), 1 to 3 days (Premium).
EIN application submitted. Bank account applications started.
EIN application pending or extra fee paid. No banking help.
EIN received. Bank account approved. Stripe application started.
EIN pending. Bank account status: self-service.
Specialist stays on WhatsApp for compliance, questions, renewals.
No ongoing support. Support ticket required for questions.
Frequently asked questions: DelawareLLC.co vs Swyft Filings.
How much does Swyft Filings charge in Delaware?
Swyft Filings charges $308 in year one, and that figure does not include the $110 Delaware state filing fee. Its registered agent then runs about $149 per year afterward. DelawareLLC.co is a flat $397 all-in for year one — including the $110 state fee, EIN, operating agreement, registered agent, and banking help — then roughly $99/year for the registered agent plus Delaware's flat $300 franchise tax.
Is Swyft Filings worth it for a small LLC?
It depends on what you need. Swyft Filings's year-one total is $308 before the state fee, and its year-two registered agent is about $149. For a small or solo LLC that mainly needs the entity filed, an EIN, and hands-on help getting a US bank account and Stripe live, DelawareLLC.co's flat $397 covers all of it with a dedicated specialist. Compare the full year-one and year-two totals in the table above before deciding.
What's the difference between Swyft Filings and DelawareLLC.co?
The core difference is post-filing support and pricing model. Swyft Filings routes support through Phone and Email and does not apply with you for a US bank account or troubleshoot Stripe rejections. DelawareLLC.co gives you one named specialist on WhatsApp for a flat $397, files your Certificate of Formation in 48 hours, submits your EIN, and stays with you through banking, Stripe, and every annual compliance deadline for as long as you operate the LLC.
Is DelawareLLC.co cheaper than Swyft Filings?
Not on headline price alone — Swyft Filings's year-one total is $308 versus our $397. But $397 is genuinely all-in (state fee, EIN, operating agreement, registered agent, plus hands-on banking and Stripe help), whereas lower sticker prices usually add those back as paid extras. Over five years, DelawareLLC.co costs roughly $1,250; Swyft Filings costs roughly $904 (year one plus about $149/year after).
Does Swyft Filings help with US bank account approval?
Swyft Filings does not help with bank account applications. They may provide a referral link, but you complete the application yourself and receive no support if the bank rejects you. DelawareLLC.co applies with you, follows up with banks, and finds alternatives until you are approved.
Who has faster Delaware LLC filing, DelawareLLC.co or Swyft Filings?
DelawareLLC.co files your Certificate of Formation within 48 hours. Swyft Filings files in 5 to 10 business days (Basic), 1 to 3 days (Premium).
Does Swyft Filings offer a dedicated specialist?
No. Swyft Filings does not assign a dedicated specialist to your formation. Support is handled through Phone, Email. DelawareLLC.co assigns one specialist who stays with you on WhatsApp for as long as you operate your LLC.
What are the hidden fees with Swyft Filings?
Swyft Filings has 4 notable hidden fees: Operating agreement costs $99 extra; EIN application costs $70 extra; Expedited filing costs $99 extra; ComplianceGuard costs $199 extra. DelawareLLC.co has zero hidden fees — the $397 price includes everything.
Can non-US residents use Swyft Filings to form a Delaware LLC?
Swyft Filings accepts non-US residents, but there is no hands-on help for EIN applications without an SSN, no bank account application assistance, and no Stripe approval support. DelawareLLC.co specializes in non-US founders, applies for EINs without SSNs, and helps with banking and Stripe until you are approved.
What is the total 5-year cost of Swyft Filings vs DelawareLLC.co?
Swyft Filings costs approximately $904 over five years. DelawareLLC.co costs approximately $1,250 over five years ($397 year one, then roughly $200/year for registered agent and compliance).
Does Swyft Filings include a registered agent?
Swyft Filings does not include a registered agent in its base price. You must pay $149 per year separately. DelawareLLC.co includes year one and offers transparent renewal at roughly $99 per year.
Which service is better for Stripe approval, DelawareLLC.co or Swyft Filings?
Swyft Filings offers no Stripe approval support. DelawareLLC.co sets up your Stripe account, troubleshoots rejections, and provides alternative payment processors if needed.
What happens after my LLC is filed with Swyft Filings?
After filing, Swyft Filings provides limited or no ongoing support. DelawareLLC.co stays with you through banking, Stripe, annual compliance, and every question for as long as you operate your company.
Keep comparing before you decide.
Weighing a few services at once? Compare DelawareLLC.co with Stripe Atlas, Doola, and Firstbase, or see the full list on our Delaware LLC comparisons hub. New to the process? Start with what a Delaware LLC is, then how to form one, the ongoing Delaware annual report, and whether a Delaware C-Corp fits better than an LLC.
Form your Delaware LLC. A specialist always available.
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