I have set up Stripe to collect payments for my web app using my personal account. Taxes aside, when should I go set up my company and a corporate bank account?
You should probably setup a business checking account to deposit your stripe payments in and pay expenses out of.<p>If you are in the US running your SaaS as a sole proprietorship (get an EIN number from IRS) is ok till your idea is proven and you have a consistent MRR showing continued growth.<p>Then it's probably time for an LLC consult with an accountant and attorney though before setting anything up.<p>I wouldn't waste time/effort and expense by setting anything up too early.
I'm always curious about this, too. For anyone who's gone this route (as described in saluki's response), how long have you been able to put off business formation?<p>The concern I've always had is, what happens if you get some corporate customers, and they ask "Who is Johnny Blades, and why is he billing us $99 a month?"<p>For those who've encountered this situation (and aren't just speculating), were there any problems?