Starting a business is exciting—you’re dreaming big, planning your launch, and maybe even testing your brand voice already. But before you can hang that metaphorical “Open” sign, there’s some paperwork you can’t skip. Enter: Articles of Incorporation.
Let’s break this down in simple, everyday language.
What Exactly Are Articles of Incorporation?
Think of the Articles of Incorporation as your business’s official birth certificate.
It’s a legal document that you file with the state when you want to form a corporation. Once approved, it tells the government, “Hey, we’re a legit business now.”
This document is what legally creates your business as a separate entity from you. That means your business can open bank accounts, sign contracts, pay taxes, and protect your personal assets—because it’s not you anymore. It’s an entity all on its own.
Do I Really Need Them?
If you’re forming an LLC, C corporation, S corporation, or even a nonprofit, yes—you’ll likely need to file some form of Articles of Incorporation (also called a Certificate of Incorporation in some states).
If you’re just doing business as a sole proprietor or partnership, you might not need them. But keep in mind: skipping incorporation means no liability protection. If your business gets sued, your house, savings, or car could be on the line. No bueno.
What’s Inside This Magical Document?
It varies by state, but usually includes:
- Your business name (make it unique!)
- Business address (your home, a PO box, or virtual office)
- Purpose of the business (keep it broad unless required)
- Registered agent information (the person or service who gets legal mail on your behalf)
- Stock information (for corporations)
- Founders’ names and signatures
Don’t let the list scare you. You can fill this out online in most states—and many services will do it for you for a small fee.
How Much Does It Cost?
Fees vary by state—expect to pay anywhere from $50 to $500. For example:
- California: $100 (plus a $20 Statement of Information due later)
- Florida: $70
- Texas: $300
Always check your state’s Secretary of State website for accurate, up-to-date pricing and submission methods.
Questions to Ask Before You File
Before jumping in, ask these smart questions:
- Do I need a lawyer or can I file it myself?
- What’s the timeline for approval in my state?
- Can I use my home address as my business address?
- Should I hire a registered agent service?
- Are there annual report or renewal fees after I file?
- Will I need an EIN (Employer Identification Number) too?
Spoiler alert: You probably will.
Filing Tips Based on Your Location
Proximity matters. If your business operates in multiple states, you might need to file for foreign qualification in other states. This means your business was “born” in one state but is doing business in another, so it needs permission to operate there.
Also—some states are friendlier than others for corporations. States like Delaware, Nevada, and Wyoming are popular because of privacy laws, low fees, and minimal red tape.
But unless you’re doing business across the country or want to raise investor money, it’s usually easiest to file in the state where you live and work.
Final Thoughts
Articles of Incorporation may sound boring (because yeah, they kinda are), but they’re the first big step in making your dream business real. They give you legal standing, protect your personal assets, and unlock all the perks of having a real-deal business.
So yes, it’s paperwork—but it’s powerful.
