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 Michigan.
File with Michigan LARA at michigan.gov/lara. 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: $500–$3000. Processing time: 6-12 weeks.
Register for a sales tax permit. Check for zoning, health, or industry-specific permits required in your municipality.
Mark your calendar for annual (calendar year) renewal. File annual reports with Michigan LARA and maintain any required insurance or bonding.
Select a city for specific local requirements, costs, and application steps.
A mortgage broker license in Michigan typically costs between $500 and $3000, depending on the city and business type. Michigan consolidated business licensing under LARA.
Processing time is typically 6-12 weeks. Some cities may process faster or slower depending on application volume and completeness.
In Michigan, you typically apply through your local city or county clerk's office. The state regulatory agency is Michigan LARA (michigan.gov/lara).
Michigan generally does not require a separate state-level business license, but you will need to register with Michigan LARA and obtain any required tax permits.
Professional services can handle the paperwork for you.
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