Join thousands of Canadian entrepreneurs already using a US LLC to bill clients in USD, accept Stripe US, and operate cross-border without ever crossing the 49th parallel.
Canada is one of the most cross-border-active economies on earth. Roughly 75% of all Canadian exports head south, the CAD–USD currency spread costs Canadian small businesses billions every year, and a growing share of Canadian freelancers, agencies, SaaS founders, e-commerce sellers and creators serve a primarily American customer base. For every one of these operators, the same question eventually surfaces: why am I invoicing American clients in CAD, paying double currency-conversion fees, and getting throttled on Stripe Canada when an American LLC would solve all three problems at once?
A US Limited Liability Company solves exactly that. With one, you operate as an actual American legal entity, you invoice in USD, you receive ACH transfers directly into a Mercury or Relay account, and you sit on top of the full Stripe US, PayPal US, Shopify Payments US, and Amazon Seller Central US stack. None of those require you to be physically present in the United States, hold a Green Card, or pay a single dollar of US federal income tax — provided your LLC has no effectively connected income with a US trade or business. To register a Wyoming LLC remotely takes us 48 hours from order to filed Articles of Organization.
Wyoming is the obvious choice over Delaware, Nevada or Florida for the vast majority of Canadians. The state has no personal income tax, no corporate state tax, no franchise tax, member privacy is statutorily protected, and the annual report fee is the lowest in the country at USD 62. Delaware, by contrast, charges USD 300 per year in franchise tax minimum, publishes officer names, and adds little value unless you are raising US venture capital with a C-Corp. We compare them side-by-side in our deep-dive Wyoming vs Delaware LLC analysis for 2026.
Critically: forming a US LLC is fully legal for Canadian tax residents. The Canada–US Tax Treaty (1980, with multiple updates) governs how income flows are taxed in each jurisdiction, and the CRA permits Canadians to own foreign corporations as long as proper reporting is filed (T1134 informational return for foreign affiliates, T1135 for foreign property over CAD 100,000). The structure is so common today that most cross-border accountants in Toronto, Vancouver and Montreal can advise on it without blinking.
These are the wins our Canadian clients report — measured in dollars, not theory.
Canadian banks typically charge 2.5–3.5% spread on USD conversion. Invoicing and holding USD in a Mercury account inside your LLC eliminates that entirely until you actually need CAD.
Stripe Canada limits certain verticals and applies higher reserves. Stripe US under your LLC gives you the full product surface, lower chargeback risk premiums and better international acceptance.
Wyoming's LLC statute provides the strongest charging-order protection in North America. Your Canadian personal assets are insulated from any judgment against the LLC.
Mercury, Relay and Wise Business all onboard Canadian-owned LLCs 100% remotely. Physical Mastercard debit, ACH, wires, and integrations with QuickBooks Online Canada and Xero.
Major US enterprise procurement systems prefer (and sometimes require) US legal entities for vendor onboarding. An LLC instantly puts you on the inside of US W-9 workflows.
If you spend winters in Florida, Arizona or California, owning property or running a business through the LLC simplifies the tax conversation versus holding US assets in your personal name.
Most Canadians serving US clients today are running one of three setups: sole proprietorship (HST-registered, all income on T2125), a federally or provincially incorporated Canadian corporation (the classic CCPC, paying federal + provincial corporate tax), or some informal mix with a US contractor relationship. None of those structures unlock Stripe US, eliminate FX friction or simplify the US side of compliance the way a properly run Wyoming LLC does.
The Wyoming LLC sits alongside — not instead of — your Canadian setup. A typical pattern: keep your CCPC for Canadian-source income (Canadian clients, SR&ED claims, RRSP planning), and add the Wyoming LLC as the entity that contracts with US clients and US platforms. Income flows from the LLC to you via the appropriate Canada–US treaty mechanism. This kind of bifurcated structure is well understood by cross-border accountants and is increasingly the default for Canadian solopreneurs and small agencies billing six figures into the United States.
A second pattern: skip the CCPC entirely. If almost 100% of your income comes from US clients via US platforms (Stripe, Apple, AdSense, Amazon, Etsy), then a single Wyoming LLC plus a personal Canadian sole prop for residual Canadian income is often cheaper, simpler and just as compliant. Which structure fits depends on revenue mix, future plans for hiring in Canada, and your provincial tax bracket — a 30-minute consult with a cross-border CPA usually settles it. We can point you in the right direction; book a free call with our team and we'll share names.
Disclaimer: this is educational, not personal tax advice. A cross-border CPA is essential before you operate. With that said, here is the structure most Canadian-owned Wyoming LLCs use.
A single-member LLC owned by a non-US person and conducting no US trade or business (no employees in the US, no dependent agent in the US, no inventory on US soil) is treated by the IRS as a disregarded entity. The LLC itself owes no US federal income tax. It must file Form 5472 + a pro-forma 1120 each year — purely informational. We handle this filing for you inside our annual compliance package.
On the Canadian side, the CRA's well-known treatment is that LLCs are corporations for Canadian tax purposes (despite being pass-through under US tax law). This creates a famous mismatch ("hybrid entity issue") that can — if structured poorly — lead to double taxation. The standard workaround Canadian cross-border CPAs use is to ensure the LLC's income is reported as foreign affiliate income on Form T1134, take the foreign tax credit where applicable, and time distributions strategically. None of this is exotic — it's an everyday workflow for any cross-border CPA in Canada.
If you want a deeper dive on how non-US residents (including Canadians) handle the IRS side, our long-form guide on US LLC formation for non-US residents walks through Form 5472, EIN application without SSN, and bank account opening in detail.
1. Choose a name. We run a Wyoming Secretary of State availability check the same day. Name must end with "LLC", "L.L.C." or "Limited Liability Company". Keep it short, English, and matching your .com domain.
2. Registered Agent + Wyoming address. You don't need a US address. We serve as your licensed Wyoming Registered Agent, receive all official mail, and forward it digitally. Included in every package.
3. File Articles of Organization. Filed within 24 business hours with the official Filing ID. This is the legal birth of your LLC — comparable to receiving your federal corporation number from Corporations Canada.
4. Custom Operating Agreement. Internal governing document that defines member rights, profit allocation, transfer rules. Mercury and Relay both require it. We draft it tailored to single-member Canadian owners.
5. EIN without SSN/ITIN. The IRS issues your EIN via Form SS-4 international processing. Standard timing is 4 weeks; our express service delivers in 10 business days or your money back.
6. US bank account. We introduce you to Mercury, Relay or Wise Business with pre-vetted documentation. Onboarding is 100% video — you stay in Toronto, Calgary, Halifax or Whitehorse and the account opens in 5–10 business days.
7. Annual compliance. Every year: Wyoming Annual Report (USD 62), Registered Agent renewal, Form 5472 + 1120 to the IRS by April 15. All of it handled inside our BASIC + IRS Filings annual plan. Check our pricing page for the full breakdown.
Hundreds of Canadians have used our proven Wyoming LLC formation team to bill in USD, scale into the US market, and unlock platforms unavailable to Canadian-only entities. You can be next.
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