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From Ecuador · The Americas

Start a US company from Ecuador

For Ecuadorian founders who need Stripe, sell into the US as a US vendor or raise from US investors. Stripe doesn't take Ecuadorian businesses, so a US company is a common route, and Mercury serves founders living here. Ecuador uses the dollar, but money sent abroad still pays 5%, so read that section first.

Launch + Wyoming filing; the tax return is separate.Checked by Saais Patel, compliance reviewer.

At a glance

Mercury takes applications from founders living in Ecuador. Wise gives no USD account details there.

The banks, in detail
US tax treaty
None
Local Stripe
No
Mercury
Yes
Currency
USD
Our fee
from $249
Wyoming's fee
$102.40
Until we file
Refunded in full

You can form a US company while living in Ecuador, without an SSN or a US visit, and founders here can apply to Mercury, which decides each application. Wise gives no USD account details to them. Launch starts at $351.40 in Wyoming, including our plan and state filing fee. Stripe doesn't take Ecuadorian businesses, so a US company is a common route to it. The Ecuadorian points: money sent abroad pays 5%, the CFC rules reach a low-taxed company you own, and work done here can be taxed here.

Before you form

Start with whether you need a US company, and how the CFC rules treat it.

  • A US company, after advice

    Card payments from customers worldwide

    Stripe doesn't take Ecuadorian businesses. A US company can apply for US Stripe; ask about the CFC rules and the remittance tax first.

    Getting access to Stripe
  • A Wyoming LLC or a C-Corp, after advice

    Selling into the US as a US vendor

    Some US buyers and platforms want a US contracting party. Work done here can still be a permanent establishment.

    US companies for SaaS
  • A Delaware C-Corp

    Raising from US investors

    US investors usually want a Delaware C-Corp. With no treaty, its dividends to you are withheld at 30% in the US.

    Raising from US investors
  • A US subsidiary

    An Ecuadorian company expanding to the US

    An Ecuadorian company can own a US company as its subsidiary. Money it sends to fund it pays the remittance tax, so ask first.

    US holding companies

BaseAcross's Wyoming LLC and Delaware C-Corp options for founders in Ecuador

Wyoming LLC

Owner-run business with US Stripe, after advice.

State filing
$102.40
Yearly state charge
From $60
Wyoming LLC formation

Delaware C-Corp

Raising from US investors.

State filing
$110
Yearly state charge
$450 for the model shown
Delaware C-Corp formation

Both charges are the state's, before our plan, optional services and your advisers' fees. Wyoming sets a minimum yearly charge, and Delaware's franchise tax depends on how it's calculated. Staff, stock or premises in another state can bring obligations there. An S-corporation isn't an option, because nonresident aliens can't hold its shares.

Prepare the information

Different documents are needed at different stages.

You provide

Before state filing

  • Your proposed company name, business activity and chosen structure.
  • Owners' names exactly as on their passports, ownership shares, managers and home addresses.
  • Where the work will be done, because a fixed place in Ecuador can be a permanent establishment.
  • The approved company name and formation details.
  • The responsible party. Without an SSN or ITIN, the application goes on Form SS-4.
  • Accurate mailing and principal business addresses, and your signed authorization where required.
You confirm; we prepare

After formation, for the EIN

  • A passport for each owner the provider asks about.
  • Formation documents, the EIN confirmation and the operating agreement.
  • A real business address, your website, a description of the business and the source of funds, as each provider asks.
The provider verifies

For bank and payment applications

  • Your return, with income from abroad and any CFC income.
  • Records of money sent abroad, for the remittance tax.
  • A record of where the work is done.
You and your tax adviser

For the tax authority (SRI)

You don't need an Ecuadorian company to form a US company. The EIN is the US company's tax ID. Send identity documents through a secure request, and only the ones asked for.

How it works

Seven steps from Ecuador to a maintained US company.

The state approves the company, the IRS issues the EIN and each provider approves its own account. In Ecuador, your tax adviser handles the SRI; we don't file there.

You and your tax adviser

Check the Ecuadorian side first

Decide whether you need a US company at all, how the CFC rules treat it, and what the remittance tax costs you.

You leave this stage with: A structure and tax plan that fits Ecuador's rules.

01 / 07

Plan the wait

Formation, the EIN and banking have separate timelines.

Published service estimates and prerequisites for a Wyoming company from Ecuador

  1. Wyoming formationSame day
  2. Ordinary EINsix to eight weeks
  3. Expedited EINtwo to three weeks
  4. Bank and payment accountsProvider review
  5. US Stripe accountStripe's review
  1. Wyoming formation

    Same day

    The clock starts
    Complete filing accepted by the state
    What can change it
    Our order checks and filing batch come first. Expedited filing changes our queue; it doesn't speed up the EIN.
  2. Ordinary EIN

    six to eight weeks

    The clock starts
    EIN application after formation
    What can change it
    Included in the plan. This is our published estimate; the IRS queue can change.
  3. Expedited EIN

    two to three weeks

    The clock starts
    EIN application after formation
    What can change it
    Optional $199 service. An estimate, with issuance controlled by the IRS.
  4. Bank and payment accounts

    Provider review

    The clock starts
    Company and owner information ready
    What can change it
    Mercury, Stripe and any other provider set their own timing, may ask for more documents and can decline an application.
  5. US Stripe account

    Stripe's review

    The clock starts
    US bank account and website ready
    What can change it
    Stripe reviews the business and the person behind it, and can decline.

These are service estimates, not promised completion dates. The IRS and each provider set their own processing times. Names or addresses that differ between documents slow every stage.

What it costs

The same price from Ecuador as from anywhere.

Charged in US dollars, with the Wyoming state fee passed on at cost. Where you live changes which bank we introduce you to, not the price.

LLC cost calculator

Launch

To start

$351.40

$249 our fee + $102.40 Wyoming fee

Renews from $309 a year

OperateBilled yearly

To start

$2,490.40

$2,388 our fee + $102.40 Wyoming fee

Renews from $2,448 a year

Included in both plans

  • State formation filing
  • Registered agent and registered office
  • EIN application without an SSN
  • LLC Operating Agreement or corporate bylaws
  • Bank and payment application guidance
  • Filing calendar and reminders

What changes because you live here

The filing is the same from anywhere. Four things aren't.

Treaty status, payment availability, bank eligibility and time zones. Sources checked 14 October 2026; account approval remains with the provider.

1 of 4: The tax treaty

The tax treaty

The tax treaty: None

There's no US–Ecuador income tax treaty.

US-source dividends, interest and royalties paid to you are withheld at 30% unless a US exemption applies. Pay for work you do in Ecuador generally isn't US-source income, so nothing is withheld on it.

How Ecuador sees it

The same dollar, but 5% to send it abroad.

The permanent establishment rule, the CFC rules, the remittance tax and the rates come from PwC's summary. They run alongside the US steps below.

  1. When you send money abroad

    You

    5% remittance tax, including from foreign accounts.

  2. If it's taxed below 15%

    You, at 25% or more

    A CFC since 2024; some income goes on your return.

  3. If the work is done here

    The company, with your tax adviser

    A permanent establishment, taxed at 25%.

Worked example

A one-person LLC run from Quito, worked through

This is an illustration, not a quote. Which income the CFC rules attribute, and when the remittance tax exempts a transfer, are for your tax adviser.

  1. You send US$10,000 from your Ecuadorian bank to fund your new Wyoming LLC. The remittance tax at 5% is US$500.

  2. The LLC makes US$80,000 of profit from work you do in Quito. A fixed place here can be a permanent establishment, taxed at 25%: US$20,000.

  3. The LLC pays no US tax, so it's below the 15% line, and the CFC rules can put some of its income on your return.

  4. Ecuador uses the US dollar, so the example is in dollars.

What Ecuador expects

Owning a US company doesn't take you out of Ecuador's tax system.

Ecuador taxes residents on income from abroad, has CFC rules since 2024, and charges 5% on money transferred abroad.

Work done here

Ecuador goes by incorporation, but a foreign company with a place or fixed centre here, where it develops all or part of its activities, has a permanent establishment. Corporate tax is generally 25%.

Controlled foreign companies

Since 1 January 2024, a foreign company with an Ecuadorian-resident owner of 25% or more, taxed below 15%, is a CFC. Some of its income goes on the owner's return.

Money sent abroad

Ecuador's remittance tax takes 5% of money transferred abroad, including from foreign bank accounts. The 5% rate came back on 1 April 2024.

Your income

Residents are taxed on income generated abroad too, at progressive rates up to 37% in 2026. A temporary residency regime since 2024 taxes some new residents on Ecuadorian income only, for five years.

Residence

You're resident after more than 183 days here in a fiscal year, or in 12 months across two.

On the record

We form US companies. We aren't Ecuadorian tax advisers. These are the rules as they're generally published, they change, and how they apply to you depends on details this page can't know. Take this list to a tax adviser in Ecuador before you order, and we'll tell you what the US forms need.

After formation

Someone has to own each filing, in each country.

US information reporting

A US LLC with one foreign owner is usually a disregarded entity that files Form 5472 with a pro forma Form 1120 when it has reportable transactions with you. Money you put in, take out or are paid for your work can count even in a year without sales. The IRS penalty for not filing starts at $25,000.

For a calendar-year company, the return is usually due 15 April, and Form 7004 requests an extension before then. A C-Corp, or an LLC with more than one owner, files different returns.

Form 5472 and the pro forma 1120

State and Ecuadorian checks

Keep the registered agent active and track the state's yearly charge. In Ecuador, declare income from abroad and any CFC income, and keep records of money sent abroad for the remittance tax.

US-created companies are exempt from BOI reporting under FinCEN's current rule, effective 14 August 2026. Banks and payment providers still verify who owns the company.

Who handles each formation, banking and filing responsibility
TaskWho handles itWhere the responsibility ends
Formation and EIN applicationBaseAcross prepares and submitsThe state approves formation; the IRS issues the EIN.
Bank and payment applicationsYou, with our guidanceThe provider verifies the information and decides.
Ecuadorian returns and the remittance taxYou and your tax adviserWe provide the US company records they need.
Annual state filingYou, or our optional filing serviceReminders are included; managed filing and the state charge are separate.
US federal returnsYou and your US tax preparerLaunch and Operate remind you; they don't file the return.

Prepare the conversation

Take these questions to your tax adviser before you order.

Bring the owners, where each lives, the operating agreement, where the work will be done and the business activity. Each question is also in Spanish.

Download the checklist for your tax adviser (.txt)
  1. 01
    EN

    Does working from Ecuador give my US LLC a permanent establishment here, taxed at 25%?

    ES

    ¿Trabajar desde Ecuador le da a mi LLC estadounidense un establecimiento permanente aquí, gravado al 25 %?

  2. 02
    EN

    Is my US LLC a CFC under the 2024 rules, and which of its income is attributed to me?

    ES

    ¿Mi LLC estadounidense es una sociedad extranjera controlada según las reglas de 2024, y qué rentas se me atribuyen?

  3. 03
    EN

    When does the 5% remittance tax apply to money I send to or from the US company?

    ES

    ¿Cuándo se aplica el ISD del 5 % al dinero que envío a la empresa estadounidense o desde ella?

  4. 04
    EN

    Do I qualify for the temporary tax residency regime?

    ES

    ¿Califico para el régimen de residencia fiscal temporal?

  5. 05
    EN

    How are dividends from the US company taxed, and how do I declare them?

    ES

    ¿Cómo tributan los dividendos de la empresa estadounidense y cómo los declaro?

  6. 06
    EN

    How does Ecuador class my US LLC: as a company or as transparent?

    ES

    ¿Cómo califica Ecuador a mi LLC estadounidense: como sociedad o como entidad transparente?

  7. 07
    EN

    How should I keep records for the US return and my Ecuadorian return?

    ES

    ¿Cómo debo llevar los registros para la declaración en Estados Unidos y mi declaración ante el SRI?

Questions

Questions from Ecuador.

If yours is not here, email us at hello@baseacross.com before you order.

Can an Ecuadorian resident own a US LLC?

Yes. US law doesn't require an LLC's owners to be US citizens or residents, and formation, the EIN and the bank applications all happen remotely. The Ecuadorian questions are the CFC rules, the remittance tax and where the work is done.

Can I move money freely because Ecuador uses the dollar?

Not for free. Ecuador's remittance tax takes 5% of money transferred abroad, including from foreign bank accounts, and the 5% rate came back on 1 April 2024. Using the same currency saves the exchange, not the tax.

Does Ecuador tax my US company?

It can. Ecuador goes by incorporation, but a foreign company with a place or fixed centre here, where it develops its activities, has a permanent establishment. Corporate tax is generally 25%.

Do Ecuador's CFC rules reach my US company?

They can. Since 1 January 2024, a foreign company with an Ecuadorian-resident owner of 25% or more, taxed below 15%, is a CFC, and some of its income goes on your return. An LLC that pays no US tax of its own would be below 15%.

How is income from the company taxed in Ecuador?

As part of your income. Residents are taxed on income generated abroad too, at progressive rates up to 37% in 2026, with a credit for tax paid abroad.

What is the temporary tax residency regime?

Since January 2024, some people without previous Ecuadorian tax residence pay tax only on Ecuadorian-source income, for five years. Whether you qualify is for your tax adviser.

How much does a US company from Ecuador cost?

Launch starts at $351.40: $249 for the plan plus $102.40 for the Wyoming filing. The plan and Wyoming's minimum yearly charge then total $309 a year. Your tax adviser's fees, US return preparation and Ecuadorian filings are separate. Wyoming's license tax can be more than its $60 minimum.

Should I form a Wyoming LLC or a Delaware C-Corp from Ecuador?

A Wyoming LLC suits an owner-run business that needs Stripe or sells to US customers, once you know how the CFC rules treat it. A Delaware C-Corp suits raising from US investors. Nonresident aliens can't hold shares in an S-corporation.

Can I get an EIN without an SSN or ITIN?

Yes. Without an SSN or ITIN, the application goes on Form SS-4 instead of the IRS's online tool. We prepare it after the company is formed, and the IRS issues the number.

How long does it take from Ecuador?

Each stage has its own clock. Wyoming's published turnaround is same day once a complete filing is accepted. Our ordinary EIN estimate is six to eight weeks after the application, or two to three weeks with the $199 expedited option. Banks, payment providers and Stripe each set their own review times. These are estimates, not promises.

Can I open a Mercury account from Ecuador?

Usually you can apply. Ecuador isn't on Mercury's list of countries it doesn't serve, and the list goes by where you live. Mercury still reviews each company and can decline.

Can I use Wise Business for the US company?

Not for USD account details. Ecuador isn't on Wise's list of places where people can hold money, so Wise gives none to founders living here. Mercury is the one to check first.

Do I need a US company for Stripe in Ecuador?

For Stripe itself, usually yes. Stripe doesn't list Ecuador among the countries it supports. A US LLC with an EIN and a US bank account can apply for a US Stripe account, and Stripe can decline.

Do I pay US tax on work I do from Ecuador?

Generally not. Pay for work you do in Ecuador is generally not US-source income, so a US company with no US office or staff often owes no US income tax on it. A single-owner LLC still files Form 5472 with a pro forma Form 1120 when it has reportable transactions with you.

Is there a US–Ecuador tax treaty?

No. There's no US–Ecuador income tax treaty in force. US-source dividends, interest and royalties paid to you are withheld at 30% unless a US exemption applies.

Does BaseAcross file the US and Ecuadorian returns for me?

On Launch and Operate, we add deadlines and reminders; you or your accountant file the federal returns. Managed annual state compliance is an optional $149 service fee a year, with the state's charge separate. Your Ecuadorian returns are for you and your tax adviser.

Does my new US LLC need a BOI report?

US-created companies are exempt under FinCEN's current BOI rule, effective 14 August 2026. A company formed outside the US and registered to do business there is a different case. Banks still collect ownership details for their own checks.

Sources and editorial scope

Check the published rules behind the explanation.

Prepared by the BaseAcross team and reviewed by Saais Patel, compliance reviewer. Sources checked . This is general formation information, with source links for the tax and banking context. An individual tax or legal review remains with your qualified advisers.

The permanent establishment rule, the CFC rules, the remittance tax, the rates and residence come from PwC's Worldwide Tax Summaries. Confirm the current position with your tax adviser before acting.

Ready when you are

Answer the questions. We do the filing.

It takes about four minutes. You see the whole order, state fee included, before anything is charged.

Compare the plans

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From

Quito

Ecuador

To

Wyoming

LLC · Cheyenne, WY

Plan
Launch
First year
$351.40
To order
10 steps
Start from Ecuador

Launch · $249 + $102.40 Wyoming · Same day