Table of Contents
- Why Developers Are Forming Companies From Their IDE
- What Is the Lovie Formation MCP?
- Lovie vs Doola: Two MCPs, Different Philosophies
- Step-by-Step: Form a US LLC From Claude Code or Cursor
- Why This Matters Beyond the Convenience
- FAQs
Why Developers Are Forming Companies From Their IDE
You're deep in Claude Code. Working prototype, co-founder, paying customer lined up. The last thing you want is to open a browser, navigate some legacy legal portal, upload a PDF, and wait three days for a human to process your paperwork.
That context switch isn't just annoying. It's a signal that legal infrastructure was built for a different era — one where forming a company meant hiring a lawyer or paying a service bureau to file forms on your behalf.
That era is ending.
As a former lawyer who now builds developer tools, I've seen both sides. I spent years watching founders pay $500 to $2,000 to form a Delaware LLC through a service that was essentially a form-filler with a nice website. The underlying work — a few state filings, an EIN application, some operating agreement boilerplate — takes maybe 20 minutes of actual effort. The rest is waiting, upselling, and friction.
So I built something different.
What Is the Lovie Formation MCP?
The Lovie Formation MCP is a Model Context Protocol server that lets you form a US LLC directly from your development environment. No browser. No context switching. You write a prompt, the agent handles the filing.
It works with Claude Code (terminal-native), Cursor (IDE-anchored), and Windsurf. The MCP is client-agnostic by design — wherever you run your AI coding assistant, you can run company formation from the same session.
Here's what the $20/month subscription includes:
- LLC formation in Delaware or Wyoming
- EIN application — direct IRS submission for US-based founders, fax-based for non-US founders (roughly 2 minutes for US founders)
- Operating agreement generation
- BOI (Beneficial Ownership Information) report — next on the roadmap
- Access via Telegram at @Lovieco_bot if you prefer that interface
The philosophy is straightforward: company formation is a developer workflow problem. Treat it like one.
Lovie vs Doola: Two MCPs, Different Philosophies
Doola also launched a company formation MCP recently. That's a good sign — formation tooling belongs in the developer stack, not on a marketing website.
But the two products reflect different assumptions about who the customer is.
Doola is built for the non-technical founder who wants hand-holding through the process. Their pricing reflects that: higher base costs, upsells for registered agent services, compliance add-ons, and bookkeeping packages most early-stage founders don't need yet.
Lovie is built for the founder who lives in their IDE. The MCP is the product. There's no upsell funnel, no "premium compliance package" gating the EIN application. Formation, EIN, and compliance tooling — one flat subscription at $20/month.
The simplest way to put it: Doola is a formation service that added an MCP. Lovie is an MCP that handles formation.
That's a meaningful difference in architecture and intent.
Step-by-Step: Form a US LLC From Claude Code or Cursor
Here's exactly how to do it. For US founders, the whole process takes under 5 minutes.
Step 1: Install the Lovie Formation MCP
In your terminal or IDE config, add the Lovie MCP server. Full setup instructions are at lovie.co/formation.
For Claude Code (terminal):
claude mcp add lovie-formation
For Cursor, add the MCP server to your .cursor/mcp.json config:
{
"mcpServers": {
"lovie-formation": {
"command": "npx",
"args": ["lovie-formation-mcp"]
}
}
}
Windsurf follows the same pattern — update your MCP config file and restart the IDE.
Step 2: Choose Your State (Delaware or Wyoming)
Two states dominate US LLC formation for startups. Here's the short version:
Delaware — The default for VC-backed companies. Investors expect it. If you're planning to raise a seed round, form in Delaware. The Court of Chancery has centuries of corporate case law, which matters when things get complicated.
Wyoming — Better for bootstrapped or privacy-first founders. Lower fees, no state income tax, stronger charging order protections. If you're not raising institutional capital, Wyoming is worth a look.
Building an AI startup and not sure? Delaware.
Step 3: Run the Formation Prompt
Once the MCP is connected, you talk to it like any other agent. Open a new chat in Claude Code or Cursor and run something like:
Form a Delaware LLC named "Acme AI LLC".
Members: Jane Doe (60%), John Smith (40%).
Registered agent: use Lovie's registered agent service.
The agent confirms the details, generates the operating agreement, and initiates the state filing. You don't leave your IDE.
You can also specify:
- Single-member vs multi-member structure
- Manager-managed vs member-managed
- Fiscal year
- Business purpose (keep it broad — "any lawful purpose" is standard)
Step 4: EIN Application — ~2 Minutes
After the LLC is formed, run:
Apply for an EIN for Acme AI LLC.
Responsible party: Jane Doe, SSN ending in XXXX.
For US founders with an SSN, the IRS issues the EIN in real time — typically under 2 minutes. The agent submits directly to the IRS API and returns your EIN in the same session.
For non-US founders without an SSN or ITIN, the application goes via fax to the IRS. Processing takes longer, but the agent handles the submission automatically. Nothing to do on your end.
Step 5: What Comes Next
LLC formed. EIN in hand. You're ready to open a business bank account and start operating.
The BOI report — required under the Corporate Transparency Act for most US LLCs — is the next feature shipping in the Lovie Formation MCP. The agent will handle that filing too, from the same interface.
Prefer Telegram over your IDE? @Lovieco_bot supports the same workflow.
Why This Matters Beyond the Convenience
When I practiced law, formation was a ritual. Engage a firm, sign an engagement letter, wait for a paralegal to prepare documents, review a PDF, sign, wait for filing confirmation. The process communicated seriousness — this takes time, this requires professionals.
That ritual made sense when the alternative was doing it wrong. But the underlying legal work was never complex. The complexity was always in the access, not the task.
MCP-based formation separates the legal validity of the output from the delivery mechanism. The LLC is just as real whether a lawyer filed it or an AI agent did. The EIN is just as valid. The operating agreement is just as enforceable.
What changes is who captures the value in the middle. Increasingly, that's going to be the developer who built the better tool — not the service bureau that built the nicer website.
That's why I built this. And it's why the Formation MCP is part of a larger vision at Lovie — a banking platform built from the ground up for founders who run on AI agents.
Formation is the first step. Banking, compliance, and financial operations follow. All from the same interface you already use to build your product.
FAQs
Can I really form a US LLC without leaving Claude Code or Cursor?
Yes. The Lovie Formation MCP connects directly to your AI coding assistant via the Model Context Protocol. Submit formation details as a prompt, and the agent handles state filing and EIN application — no browser, no external portal.
Which states does the Lovie Formation MCP support?
Currently Delaware and Wyoming — the two most common choices for US startup LLCs. Delaware is standard for VC-backed companies; Wyoming works well for bootstrapped or privacy-focused founders.
How long does EIN issuance take?
For US founders with an SSN, the IRS issues the EIN in real time — typically around 2 minutes. For non-US founders, the application goes via fax and takes longer, but the agent handles the submission automatically.
How does Lovie compare to Doola's formation MCP?
Both are MCP-based formation tools. Doola is a formation service that added an MCP layer, with higher pricing and upsells for compliance add-ons. Lovie is built as a developer-first MCP — formation, EIN, and compliance in one $20/month subscription, no upsell funnel.
Does the MCP work with Windsurf and other AI IDEs?
Yes. The Lovie Formation MCP is client-agnostic. It works with Claude Code, Cursor, and Windsurf. Any AI IDE that supports the Model Context Protocol can connect to it.
What is the BOI report and when will it be available?
The Beneficial Ownership Information report is a filing required under the Corporate Transparency Act for most US LLCs. It discloses the company's beneficial owners to FinCEN. Automated BOI filing is the next feature shipping in the Formation MCP.
Can I use the Lovie Formation MCP outside of an IDE?
Yes. The same formation workflow is available via Telegram at @Lovieco_bot.
The legal infrastructure around company formation hasn't changed much in 30 years. The delivery mechanism just did.
If you're building an AI-first company, it makes sense to form one the same way — from the tools you already use, without the ceremony.
Start at lovie.co/formation.
Top comments (0)