Complete guide to requirements, costs, and the application process
Choose between sole proprietorship, LLC, corporation, or partnership. This affects your filing requirements and costs in California.
File with California Secretary of State at sos.ca.gov. LLCs need Articles of Organization; corporations need Articles of Incorporation.
Apply for a free Employer Identification Number from the IRS at irs.gov. Required for tax filing, hiring employees, and opening a business bank account.
Submit your application to the local city or county clerk's office. Typical cost: $650–$3900. Processing time: 6-12 weeks.
Register for a sales tax permit. Obtain your state business license. Check for zoning, health, or industry-specific permits required in your municipality.
Mark your calendar for annual (calendar year) renewal. File annual reports with California Secretary of State and maintain any required insurance or bonding.
Select a city for specific local requirements, costs, and application steps.
A mortgage broker license in California typically costs between $650 and $3900, depending on the city and business type. California has some of the most comprehensive licensing requirements in the US.
Processing time is typically 6-12 weeks. Some cities may process faster or slower depending on application volume and completeness.
In California, you typically apply through your local city or county clerk's office. The state regulatory agency is California Secretary of State (sos.ca.gov).
Yes, California requires a separate state-level business license in addition to any local city permits.
Professional services can handle the paperwork for you.
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