Harbor Compliance
Multi-State Compliance & Entity Management Platform
incorporate.com
Long-Established Business Formation & Compliance
Side-by-side comparison. Data as of 2026-02-16.
Company Background
Harbor Compliance
HQ: Lancaster, Pennsylvania (812 N Prince St)
Ownership: Private (founder-led; Mike Montali CEO)
Employees: 51-200
Formations: 40,000+ clients served (focus on compliance, not pure formation)
Key Milestones
- Founded 2012 by regulatory specialists & tech experts
- Hit Inc. 5000 for 7th year in 2025
- Acquired Labyrinth Inc. (added nonprofits)
- Launched Compliance Core™ algorithm
- Grew to 40k+ clients across 50 states
incorporate.com
HQ: Wilmington, Delaware (2711 Centerville Road)
Ownership: Private (subsidiary of Corporation Service Company - CSC)
Employees: 100+
Formations: 750,000+ businesses
Key Milestones
- Founded 1899 as The Company Corporation
- Rebranded to incorporate.com
- Expanded to 50 states + DC
- Integrated with CSC Navigator compliance tools
- Served Fortune 1000 & law firms
Core Services
Harbor Compliance Services
Formation types:
- ✓ LLC
- ✓ Corporation (C-Corp, S-Corp)
- ✓ Nonprofit
- ✓ Foreign Qualification (all states)
- ✓ Change of Registered Agent
- ✓ Conversions & Mergers
Differentiators:
- Compliance Core™ scans 22,000+ requirements
- Air-Tight Onboarding™ (90% issue resolution)
- SaaS + managed hybrid for enterprises
- Direct SOS database feeds for real-time status
- Unlimited users & collaboration tools
incorporate.com Services
Formation types:
- ✓ LLC
- ✓ Corporation (C-Corp, S-Corp)
- ✓ Nonprofit
- ✓ Foreign Qualification (all states)
- ✓ Change of Registered Agent
Differentiators:
- 120+ years legacy (CSC)
- CSC Navigator compliance platform
- Corporate Veil Guarantee ($75k)
- Mandatory RA integration
- Full-service for law firms & corps
Both offer nationwide RA coverage. Compare differentiators above to see where each shines.
Pricing & Value
| Category | Harbor Compliance | incorporate.com | Winner |
|---|---|---|---|
| First Year Total | ~$99 + state fees (RA-focused; higher for full compliance) | ~$334+ (formation + mandatory RA; state fees extra) | Harbor Compliance |
| RA Annual Fee | $99 first year; $149 renewal (multi-year discounts) | $235/year (mandatory; no free year; can't opt out easily) | — |
| Value Score | 7.9/10 | 6.8/10 | Harbor Compliance |
Speed & Performance
Harbor Compliance
Avg formation: 1-5 business days standard
Expedited: Same-day document delivery (included)
incorporate.com
Avg formation: 1-5 business days standard
Expedited: Same-day (add $20)
Pros & Cons
Harbor Compliance — Pros
- ✓ 22k+ regulatory scans
- ✓ SaaS + managed hybrid
- ✓ All 50 states RA
- ✓ Entity management suite
- ✓ Proven for enterprises
Harbor Compliance — Cons
- ✗ Premium pricing
- ✗ Mixed Trustpilot (3.5)
- ✗ Billing complaints
- ✗ Steep for startups
- ✗ Basic formation vs. specialists
incorporate.com — Pros
- ✓ Longest track record (1899)
- ✓ 750k+ formations
- ✓ Enterprise compliance tools
- ✓ All 50 states coverage
- ✓ Corporate Veil Guarantee
incorporate.com — Cons
- ✗ RA $235 mandatory
- ✗ No free Year 1 RA
- ✗ High overall costs
- ✗ Mixed reviews
- ✗ Restrictive policies
The Verdict
Choose Harbor Compliance if: The powerhouse for complex, multi-state compliance—ideal for growing businesses needing software + service. Skip if you're a solo founder on a budget.
Choose incorporate.com if: The granddaddy of formation services—reliable for complex needs, but overpriced and restrictive for most founders. Use only if you need full CSC ecosystem.
Higher rating: Harbor Compliance (7.9/10)