You're halfway through the form for your new Florida LLC on Sunbiz, the state's official website for registering companies, and it asks for a principal office address. Then a mailing address. Then a registered agent. Three boxes, three kinds of address, and the instructions announce in capital letters that one of them MUST BE A STREET ADDRESS. If you work from your kitchen table, or from Toronto, or from a coworking desk in Lisbon, the obvious question is whether a virtual office address can go in any of those boxes.
It depends on the box.
A virtual office address works well as the mailing address. As the principal office address it sits in a gray area, and we'll explain exactly why. As the registered agent address (where the LLC officially receives legal papers), no. And none of that tells you whether your bank or Stripe, the online payments company, will accept it, which is a separate question with its own answer.
This is general information, not legal or tax advice. If your situation has a twist (owners in several countries, a licensed activity, an existing company moving to Florida), a Florida attorney or CPA (a licensed US accountant) is worth the call.
The three addresses Florida asks for
Florida's LLC law asks for "the street and mailing addresses of the company's principal office" plus the name and Florida street address of a registered agent (s. 605.0201). So there are really three lines, and they do different jobs. We go through each one in detail in our guide to principal, mailing and registered agent addresses. Here's what matters if you're thinking about a virtual office.
As your mailing address: yes
The mailing address is simply where the state sends your LLC's mail. The Division of Corporations, the state office that runs Sunbiz, allows a P.O. box (a rented box at the post office) on this line, so a commercial street address with a mailbox number is comfortably within the rules. It's the cleanest fit, and honestly it's what most people mean when they ask this question.
It also solves a privacy problem that catches a lot of founders off guard. Sunbiz filings are public. Anyone can run a free search on your company name and see the principal address, the mailing address, the registered agent and the managers, plus images of what you filed. Florida even treats email addresses you give the state as public records (Division of Corporations). If you work from a spare bedroom, a business address keeps your apartment number out of that search. We go through every line in how to keep your home address off Sunbiz.
As your principal office address: the honest gray area
This is where most articles get either too confident or too vague. So let's split what's clear from what isn't.
What's clear. The principal office is the principal executive office, the place the business is actually directed from. Florida doesn't require it to be in Florida. Current law defines it "regardless of whether the office is located in this state," as the Senate staff analysis of a 2026 bill describes it. That bill, SB 1324, and its House version, HB 955, would have redefined the term, but both died in committee on March 13, 2026. So the definition stands. The Sunbiz filing instructions add that the principal office has to be a street address, not a P.O. box.
What isn't clear. A virtual office address follows the rules USPS, the US Postal Service, sets for commercial mail receiving agencies (CMRAs, the official name for businesses like ours that receive mail for customers). That means it carries a "#" or "PMB" (private mailbox) with your mailbox number (USPS mail manual, 508.1.8). It's a street address in the plain sense, a real building on a real street. But no official Florida source we've found says whether a mailbox-style address counts as a principal office "street address." The statute doesn't address it. Neither do the form instructions.
So what do people actually do?
Many founders who live abroad put their real home or office address in their own country on the principal office line, since Florida allows an office outside the state, and use a US commercial address for mail. Say you run a small design studio in Monterrey. The studio's address goes on the principal office line and the Miami address goes on the mailing line. Clean, truthful, and nobody has to wonder.
Some US founders who work from home put a virtual office address on both lines. Whether that would hold up if the state ever looked closely is exactly the question no official source answers. A filing going through doesn't mean the question is settled.
Our view? List the place that truthfully matches the definition. If you direct the business from your home office in Madrid, that's your principal office. If you really do run things from Miami and the virtual office is where your business mail, records and meetings land, the case for using it gets stronger. And if you're unsure, ask a Florida attorney before you file, not after.
As your registered agent address: no
The registered agent receives lawsuits and official legal notices on the LLC's behalf. Florida requires a registered office and agent in Florida with a Florida street address (s. 605.0113), and the registered office has to be open, with someone there to accept service of process (the formal hand delivery of a lawsuit), at least from 10 a.m. to noon on business days (s. 48.091). The Division's guidance also rules out P.O. boxes here.
A virtual office address doesn't meet that test on its own. Prima doesn't offer registered agent service, so you'll need a separate Florida registered agent, whose name and address go on your articles of organization (the document that creates your LLC).
Banks and Stripe are a separate question
Getting through Sunbiz is one thing. Opening an account is another, and this is where people get burned.
Some banks reject virtual and mailbox addresses as the company address. Take Mercury, an online business banking service. It says it doesn't accept P.O. boxes, virtual addresses, commercial mail receiving agencies, mail centers or registered agent addresses (Mercury's address requirements). It does accept a verifiable residential address, or a verifiable international address for customers overseas, and it may ask for proof. Other banks set their own rules and change them, so ask yours before you print business cards.
Stripe splits along product lines. For a standard US account that takes payments, Stripe asks for the physical location where most of your business activity happens and doesn't accept P.O. boxes (Stripe's US account requirements). It may ask for documents too. Its card and money products are stricter. Since July 1, 2025, Stripe Issuing, Treasury, Opal and Corporate Card block registered agent, mailbox and virtual address services for both the business address and the account representative's address (Stripe's address validation rules). Those accounts can still use payments.
So here's the honest position. A virtual office address is great for mail, state filings, letters from the IRS (the US tax agency) and your website. It isn't a key that opens every bank or payment account, and anyone who promises otherwise is guessing.
One thing you can cross off
You may have read that your LLC has to file a beneficial ownership report with FinCEN, the US Treasury office that tracks financial crime. It's a filing that lists the people who really own or control the company. That no longer applies to companies formed in the US. FinCEN exempted them in March 2025, and a final rule in August 2026 made the exemption permanent. Only foreign-formed companies registered to do business in a US state still report.
Where Prima fits
Prima gives you a street address at 2125 Biscayne Blvd in Miami, written as "2125 Biscayne Blvd, Suite 300 #" followed by your mailbox number. Our team receives your mail in the building and you see every envelope in the app. USPS requires a signed PS Form 1583, a short form that authorizes us to receive your mail, with two IDs, one with a photo. In our process you sign it on a quick video call with an online notary, from wherever you are, and that's included in every plan. Business and Executive plans add a service agreement you can show as proof of address. Plans start at $39 a month, and you can compare them here or read more about the Biscayne Boulevard address. It's a strong fit for your mailing address and your public face. For the registered agent, you'll still need someone else.