looch - 2026 Pricing, Features, Reviews & Alternatives

looch is a mobile-first financial operating system designed to simplify starting and running a business. Built for entrepreneurs, startups, and modern small businesses, the platform combines business formation, financial accounts, payments, accounting, and tax reporting into a single integrated ecosystem accessible from a mobile app.

Using looch Start, founders can form a Delaware LLC, Florida LLC, or Delaware corporation in minutes. The fully automated service allows entrepreneurs to start a company directly from their phone while receiving real-time updates on the status of their entity formation inside the app. The $249 all-in service includes state filing fees, registered agent service, a virtual office address, and an EIN, even for founders without an SSN or ITIN. Registered agent service is available across all 50 states, helping businesses maintain compliance as they expand.

Once the entity is created, businesses can onboard as a looch business and gain access to a comprehensive financial platform built to streamline operations.

The platform includes no-fee financial accounts, unlimited instant payments, corporate Smartcards with advanced spend controls, integrated accounting tools, e-commerce payment processing through the looch WooCommerce plugin, and automated 1099 e-filing.

looch Smartcards are corporate cards that can be instantly issued in the app and added to Apple Pay or Google Pay. Businesses can create cards for teammates, set spending limits, restrict merchants or categories, and maintain full control over expenses.

The app also provides real-time financial insights, including a live profit and loss report powered by AI auto-suggested categories that automatically organize transactions and help founders understand business performance.

For contractor payments, looch’s in-app onboarding eliminates the need to collect W-9 forms before paying contractors. The platform’s AI then determines which payments should be included in the 1099 reportable amount, applying IRS reporting rules automatically. Businesses can file 1099 forms directly with the IRS for $2 per filing, simplifying year-end reporting.

By combining business formation, payments, accounting, and compliance tools in a single platform, looch helps founders launch faster and manage their finances with confidence.