Self-Serve tier

Determine whether a small business is an Applicable Large Employer (ALE) under IRC §4980H and must offer minimum-essential coverage + file Forms 1094/1095-C. Embedded full-time-equivalent (FTE) calculation + controlled-group aggregation under §414 + 95% offer / minimum-value / af

Open a business bank account in compliance with the Bank Secrecy Act Customer Identification Program (CIP) under 31 CFR §1020.220 and Customer Due Diligence Rule under 31 CFR §1010.230. Embeds the four required CIP data elements, the beneficial-owner identification trigger, and t

Determine whether a small-business commercial property / business-interruption policy responds to a pandemic, virus, or government-shutdown loss. Embedded ISO CP 01 40 07 06 virus exclusion + direct physical loss requirement + state-court 2020-2024 COVID coverage decisions across

Determine whether a small-business Commercial General Liability (CGL) policy responds to a third-party bodily-injury or property-damage claim. Distinguishes occurrence vs claims-made trigger, applies ISO CG 00 01 standard form coverage grant, walks the four trigger theories (expo

Determine S-corp vs C-corp election posture for a small business and, when an S election was missed, render the Rev. Proc. 2013-30 automatic late-election relief packet (Form 2553 + reasonable-cause statement). Embeds the §1361 eligibility gate, the 2-month-15-day timely-election

Draft a consumer arbitration clause with class-action waiver under the Federal Arbitration Act (9 USC §2) post-AT&T Mobility v. Concepcion (2011) and post-Epic Systems v. Lewis (2018), and integrate the FAA carve-outs (§402 sex-harassment carve-out post-Mar 2022). Embeds the unco

Map a small-business data-breach incident to PCI DSS 4.0 + state breach notification statutes (50-state) + cyber-liability policy first-party / third-party coverage trigger. Embedded HHS HIPAA breach overlay if PHI involved + GLBA if financial + FTC Safeguards Rule. Identifies no

Map a small-business Directors & Officers (D&O) liability claim to Side A (non-indemnifiable individual), Side B (corporate reimbursement), or Side C (entity coverage). Embedded ABA Model Business Corporation Act §8.51-8.59 indemnification analysis + corporate-bylaw indemnificati

Determine whether a small business must file the EEO-1 Component 1 Workforce Composition Report under 29 CFR §1602 + 41 CFR §60-1.7. Applies 100-employee threshold, federal-contractor 50-employee + $50K-contract trigger stack, payroll-period count rule, and current EEOC reporting

Determine whether a small-business Employment Practices Liability Insurance (EPLI) policy responds to a discrimination, harassment, retaliation, or wrongful-termination claim. Embedded claims-made trigger + retroactive-date analysis + ERISA exclusion + wage-and-hour sublimit scre

Defend or withdraw an Employee Retention Credit claim under IRC §3134 / CARES Act §2301, applying IRS Notice 2024-7 moratorium guidance + IR-2024-21 voluntary disclosure pathway, and screening the dual-eligibility tests (gross-receipts decline vs. partial/full government suspensi

Render separation-day compliance: COBRA election notice within 14 days under 29 USC §1166 (employer with 20+ employees) + 50-state final-paycheck deadline map. Distinguishes voluntary quit from involuntary termination across states with different timing rules. Self-contained — no

Render the federal employer required-poster set under 29 CFR §1601.30 (EEOC) + 29 CFR §1903.2(a) (OSHA) + 29 CFR §516 (FLSA) + 29 CFR §825.300 (FMLA) + state poster overlay. Identifies size-based coverage thresholds and current poster editions. Self-contained — no external lookup

Enforce Form I-9 Section 1 (Day 1 of employment) and Section 2 (within 3 business days) deadlines under 8 USC §1324a + 8 CFR §274a, screen E-Verify obligations, identify document-list compliance, and render audit-defense for ICE Notice of Inspection. Self-contained — no external

Enforce 42 USC §653a + 45 CFR §303.108 federal new-hire reporting requirement (within 20 days of hire date) and overlay state-specific shortened windows (CA/MA/MN/IA = shorter; TX/FL/NY = federal 20-day floor) and multistate-employer single-state designation under §653a(b)(1)(B).

Draft a compliant employee IP assignment under California Labor Code §2870 + 8 other state carve-out statutes (DE, IL, KS, MN, NC, UT, WA, NJ) and embed the federal copyright work-for-hire framework under 17 USC §201(b) + §101. Refuses to certify an assignment that omits the §287

Screen LLC formation requirements against the chosen state Secretary of State filing regime — articles of organization fee, registered-agent requirement, name-availability rules, and post-filing compliance (annual report, franchise tax, BOI). Embeds the 50-state filing-fee map an

Determine whether a small business may impose a credit-card surcharge or offer a cash discount under state law, and structure compliant signage / receipt disclosure under Visa / Mastercard rules. Embeds the post-Italian Colors / Expressions Hair Design 50-state surcharge map and

Draft a confidentiality / non-disclosure agreement choosing between mutual and one-way structure, embed the Defend Trade Secrets Act (DTSA) 18 USC §1833(b)(3) immunity notice (mandatory for whistleblower-immunity preservation), apply state blue-pencil and overbreadth doctrine, an

State the operative status of the FTC Non-Compete Clause Rule (16 CFR Part 910) post-Ryan v. FTC (E.D. Tex. Aug 20, 2024) and Properties of the Villages v. FTC (M.D. Fla. Aug 14, 2024) and screen state-law enforceability. Refuses to apply the FTC rule as operative law (vacated) a

Draft a buy-sell agreement for a closely-held LLC or corporation, choosing between cross-purchase and entity redemption structures. Embeds the §1014 step-up vs §302 redemption tax overlay, life-insurance funding mechanics, and state default rules under RULLCA §107 and Model Busin

Determine whether a small business must maintain OSHA 300 log + 300A summary + 301 incident report under 29 CFR §1904 recordkeeping rules. Embedded partially-exempt-industry table (NAICS-based) + size exemption (10 or fewer) + reportable-injury thresholds (death within 8 hours, i

Distinguish general partnership / limited partnership / LLP / LLLP under the Uniform Partnership Act (RUPA 1997) and Revised Uniform Limited Partnership Act (ULPA 2001). Identifies partnership-by-conduct exposure under RUPA §202(a). Renders the formation packet (or warns when no

Apply IRS Form 1099-NEC nonemployee-compensation reporting threshold ($600+) under IRC §6041A, render Form 1096 transmittal, screen §6721/§6722 stacked penalty exposure, and surface T.D. 9972 10-return electronic-filing aggregation rule. Self-contained — no external lookups requi

Compute Form 940 FUTA tax (federal $7,000 wage base × 6.0% with 5.4% state credit = 0.6% net) under IRC §3301-§3311 and overlay state UI rates + credit-reduction states. Self-contained — no external lookups required for the federal computation; state-rate slot prompts for actual

Determine Form 941 federal employment-tax deposit schedule (monthly vs semi-weekly) under Treas. Reg. §31.6302-1 using the IRS look-back period. Computes deposit due dates, identifies $100K next-day-deposit trigger, and renders correction path for missed deposits. Self-contained

Run the IRS three-category common-law worker-classification test (Rev. Rul. 87-41 + Form SS-8) on a worker described as 1099, identify Section 530 safe-harbor defense eligibility under Revenue Act of 1978 §530, and render the SS-8 submission packet or §3509 reduced-rate reclassif

Render Form W-2 employee statements + Form W-3 SSA transmittal under IRC §6051 with January 31 employer deadline. Computes per-form penalties under IRC §6721/§6722 (employee + SSA copies), screens for intentional-disregard tier ($660+/return), and renders correction path via Form

Screen a closely-held entity for veil-piercing exposure under the Walkovszky v. Carlton alter-ego doctrine and audit personal-guarantee scope on commercial obligations. Embeds the multi-factor undercapitalization / commingling / formality / fraud test and the SMLLC heightened-scr

File a late S-corp election using Rev. Proc. 2013-30 automatic relief, OR voluntarily revoke an existing S election. Covers Form 2553 Part IV late election procedure, reasonable-cause narrative, all-shareholder consent, California Form 3560 cross-reference, and 5-year re-election

Map a small business to its state, county, and city license + annual-renewal stack. Embedded 50-state base license / annual report / franchise tax map + occupational license matrix (contractor, restaurant, retail, professional services) + DBA / fictitious-name registration + fore

Determine which states a small business must register, collect, and remit sales tax in under physical nexus + economic nexus (Wayfair) standards. Embedded 50-state economic-nexus threshold map ($100K / $250K / $500K + transaction-count where applicable), marketplace facilitator o

Compute IRC §45B FICA Tip Credit for food/beverage employer using Form 8846. Identifies tips above-federal-minimum-wage threshold, allocates between FICA-credit-eligible and ineligible portions, and screens IRS Form 8027 large food/beverage employer reporting overlap. Self-contai

Apply IRC §6672 Trust Fund Recovery Penalty — 100% personal liability for any responsible person who willfully fails to collect or pay over employment trust-fund taxes. Identifies responsible persons (Slodov / Logal test), screens willfulness, computes the trust-fund portion of t

Audit a vendor contract or invoice late-fee provision for enforceability under UCC Article 2 (sale of goods) or common-law (services), the state usury cap on contractual late fees, and the UCC §2-209 modification rule. Embeds the 50-state usury map and the liquidated-damages reas

Map a small business to its correct NCCI workers' compensation classification code (NAICS → NCCI scopes), surface NOC (not-otherwise-classified) trap risk, identify standard exceptions (clerical 8810, outside sales 8742, drivers 7380), and screen for governing-class-code disputes

Determine whether a small business is required to carry workers' compensation insurance under its situs state. Embedded 50-state map of mandatory thresholds (1, 2, 3, 4, 5+ employees), agricultural and domestic-worker exemptions, sole-proprietor inclusion rules, and Texas opt-out

Structure asset-based lending (ABL) facility with borrowing-base calculation under UCC Article 9 perfection + Liquidity Reserve / Springing-Lock-Box / Field-Examination protocols. Embeds AR advance rate (typically 80-85% eligible), inventory advance rate (50-60% finished goods, l

Screen Chapter 11 Subchapter V eligibility under Small Business Reorganization Act of 2019 (SBRA, Pub. L. 116-54). Embeds $7.5M debt cap (CARES Act elevated; expired Jun 21, 2024 returning to $3,024,725 base; verify current Bankruptcy Threshold Adjustment Act status), single-purp

Structure a factor agreement (accounts-receivable purchase financing) under UCC Article 9 §9-406 + §9-318 + §9-104. Embeds notification (§9-406(a)) vs. non-notification, recourse vs. non-recourse, advance-rate computation, fee structure (discount + commission + interest on overad

Screen merchant cash advance (MCA) for true-loan vs. true-receivable-purchase characterization under New York LG Funding / NY Lenox Hill / Davis v. Richmond Capital line, plus Champion / Pearl Beta line. Embeds NY 16% civil usury / 25% criminal usury caps, FL 18%/25%, CA Finance

Structure mezzanine debt (subordinated, generally unsecured or second-lien) with warrants / equity kicker for SMB growth or acquisition financing. Embeds intercreditor agreement (AAL — agreement among lenders) standard provisions, payment-blockage covenants, standstill periods, l

Screen personal guarantee + spousal-consent requirement under ECOA Reg B 12 CFR §1002.7(d) prohibition + community-property state asset-pledge analysis (CA, TX, AZ, NV, ID, NM, WI, LA, WA + AK opt-in). Embeds Hawkins / Anderson cases applying ECOA to commercial loans + State Bank

Screen veil-piercing exposure under state-specific factor tests for LLC and corporation owners. Embeds 50-state factor maps for alter-ego (Sea-Land Services, NetJets), instrumentality (Lowendahl, McConnell), and identity-of-interest doctrines plus enterprise-liability + reverse v