The first order of business is to incorporate. There are many corporate forms: corporations, sole proprietorships, limited liability companies, etc. You should talk over each form with your attorney, who can advise you as to which corporate form is most appropriate for your money lending business. To incorporate, you will have to file articles of incorporation with your state. Your attorney should be able to get them, or you can get them yourself from your Secretary of State. You will also need permission from your state in order to legally start a money lending business. You will get that permission by obtaining a license for money lending. Your attorney can get the form for you. Alternately, you can check your state’s Secretary of State website to see if an application is available for download.  South Dakota’s application is available on its Secretary of State’s website and can be found at https://www.state.sd.us/eforms/secure/eforms/E0062V4-MoneyLendingLicenseApplication.pdf. In addition to state licenses, you may need municipal or local licenses. You must contact your state business licenses office and search for applicable licenses or permits. The Small Business Administration has links to each state’s office at https://www.sba.gov/content/what-state-licenses-and-permits-does-your-business-need. If you choose as a business name anything other than your own personal name, you will need to register it with the necessary authorities. This is called your DBA, or “doing business as” name. You will need to register with either your local government or a state agency—or both. Not every state requires that you register a “doing business as” name. You can check registration requirements with your Secretary of State office as well as with your county clerk’s office. If your money lending business has investors, then you may need to file with the appropriate securities commission. If you make a public offering of the securities, then your lawyer will have to register you with the SEC. You should check with your attorney whether or not you need to register the securities and which agency you need to register with. Unless your money lending business is a sole proprietorship, you will need a tax identification number, also called an EIN. You can get an EIN from the IRS in the following ways:  You can apply for an EIN online. This is the preferred method. To start the application, visit the EIN Assistant at https://sa.www4.irs.gov/modiein/individual/index.jsp. You can also apply by mail or fax by printing off Form SS-4 available at http://www.irs.gov/pub/irs-pdf/fss4.pdf. To find out where to mail or fax your form, you should visit the IRS website at https://www.irs.gov/filing/where-to-file-your-taxes-for-form-ss-4. Lending businesses most often get into trouble when they are trying to collect money from their customers. Before going into the lending business, be sure you understand what you can and cannot do to collect money owed to you.  Under federal law, specifically the Fair Debt Collection Practices Act, you are prohibited from harassing or abusing the customer that owes you money. Also, you cannot use false, deceptive, or misleading means to collect any debt. If you fail to obey federal law, you and your business could face stiff civil penalties.  Each state will also have laws prohibiting certain debt collection activities. For example, in Iowa, you are prohibited from making illegal threats or from coercing or attempting to coerce a customer into paying a debt. You will want to retain someone who can review your practices and make sure that you are in compliance with local, state, and federal laws. To find a compliance professional, you can ask your lawyer for recommendations. Alternately, if you met anyone at a national conference or panel, you could contact them for a recommendation.
اتبع الخطوات الرسمية لإنشاء الشركة. تقدم للحصول على الرخص اللازمة. سجل اسم مشروعك التجاري. سجل في الهيئة العامة للرقابة المالية في بلدك. استخرج بطاقة ضريبية للمشروع. تعرف على القوانين التشريعية المنظمة للقروض والديون. عين استشاري رقابي.