What is Needed to Create an LLC?

  Article by LawsOnline  November 01, 2024
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Are you contemplating starting a business but, you are concerned about the impact of company liability on your, and your future partners', personal assets and property? You are not alone. Around 4.7 million businesses are started every year. That average is according to data from the US Census Bureau, as reported by USA Today. (See (See https://www.usatoday.com/money/blueprint/business/business- 20year.)
If you have evaluated the differences between an LLC and a Corporation, and you want simplicity, an LLC is the least complicated of the two. Corporations are more involved in setting up because of the required Articles of Incorporation, ByLaws, Stock Register, Shareholder List, Board of Directors Meeting Minutes, Annual Shareholders' Meeting Minutes, etc. If you are looking for low overhead, but still want cover from liability, most LLC’s can provide adequate general liability protection from personal liability. First, you need to put together an outline of what information you need to begin the registration process for your LLC to save yourself the headache and aggravation of jumping into the creation of an LLC and not having all the necessary ownership information. 
In this article, we have created a CHECKLIST that you can use to outline what you need to create an LLC. This is not a substitute for legal advice. An attorney must be consulted. You will especially need the assistance of a good attorney to guide you through some of the new regulations affecting all businesses including, the Beneficial Ownership Information regulation issued in 2024 by the Financial Crimes Enforcement Network (FinCEN). FinCEN, a Federal agency within the Department of the Treasury, requires all businesses in the United States, which are not exempt under the new rules, to identify the beneficial ownership of the organization. On January 1st, 2021, Congress enacted the Corporate Transparency Act, which was part of the National Defense Authorization Act to help prevent money laundering, terrorist financing, corruption, and tax fraud. (See https://www.fincen.gov/boi-faqs#A_1)  Again, having an attorney to help you with the new regulations is very important. 
What do you need to gather and review when setting up an LLC prior to beginning the registration process?
1. Name of Organization. If you are already doing business as yourself, you probably are using a family name, nickname, calling card, etc. that everyone knows you by. However, when you want to make it official and receive the personal protections available, you may want to spend some time considering a name that will allow you to grow. A name that is more descriptive of your services would be beneficial. In addition, you may choose to avoid future conflicts by verifying if someone has already registered your company name with the state. 
2. Registered Agent. This is the primary point person for the new organization. In all government filings, a new company must have a point person who is the initial contact with the state and local government agencies. This person will be responsible for filing legal documents with the state and will be responsible for future legal correspondence such as, service of process with outside individuals or entities. In some cases, instead of a person, you can use an organization as a registered agent. You can talk with your law firm to see if they provide this service if none of the members of your new company want to be a registered agent. 
3.  Company Purpose. You will need to identify the main product or service you are providing to the community so you can include it in the Articles that the company will file with the state. Your organization purpose could be doing something more than selling products. It could be providing services or consulting activities. In some cases, this organization may even be providing charitable work. However, if you are looking to be a nonprofit organization, then you will need to investigate incorporating as a nonprofit corporation and not an LLC. It is very complicated to do LLC nonprofits. So, in most cases, someone forms an LLC for profit disbursement among its members. In general, the description of your company purpose should efficiently and effectively tell the consumer what the new entity will do within the state such as, selling, consulting, or services.  Keep it simple and succinct. 
4. Company Effective Date. Most states require Articles that include a start date that your organization will formalize as the beginning of the company's existence. In addition, your Articles may also require you to put an end date for this organization. If allowed, you can leave the end date open so that your new LLC can be considered a perpetual organization existing year after year until you decide to close the organization. However, this is state-specific so check your state's corporation registration process to determine if it is necessary to include an end date in the Articles of your LLC. 
5. Management Structure. This is an important step to decide before you register your LLC with the state. Are you going to be member managed or hire an outside manager to manage the company? In most cases, someone forms the LLC and the members of the new organization will manage the organization themselves. This means one of the owners of the LLC will also be appointed by the other members to have some control over the newly formed organization's day-to-day activities. These daily actives will include opening bank accounts, hiring individuals, coordinating office space, making purchases to run the LLC and signing contracts on behalf of the organization. Now, in some cases, the LLC members may be too busy with their own personal affairs to manage these day-to-day activities and, this is where the decision would be made to hire an outside individual to manage the LLC. In either case, before filing with the government entity of your state, you will want to look at a sample operating agreement to decide which direction you are planning for your LLC. As a default, you can always start as a member managed company and then elect to switch to a manager managed LLC after you are established.
6. LLC Ownership Percentage. When starting the LLC, you will need to sit down and identify the percentage of ownership for each of the members of the LLC. In general, many LLCs started as partnerships with around 50% control given to each member. However, as you add three, four, or more individuals, you may want to have different levels of ownership to represent the percentage of funds that each member brings into the organization. For example, if two individuals bring into the organization $4000.00 each and another two individuals bring in $1000 each, you may have ownership broken down to two individuals at 40% and two others at 10%. The sky is the limit on how the percentage of ownership is handled. It should just be clarified before the LLC is registered with the state. You can always make this change later.
7. Operational Agreement. This is the LLC’s instruction manual. It provides guidance on how the overall LLC runs day-to-day. In addition, this Operational Agreement also provides guidance on how to handle voting rights based on ownership percentages and on what to do when a member wishes to be bought out or sell their interest. It is very important and beneficial to review a sample Operational Agreement first to decide how you want your LLC to be structured.

8. State and Federal Filings. The last item to do is the actual filing with the state and federal government agencies. There will be fees involved so be prepared to have a payment plan ready for these different agencies. The state in which you register your new LLC will have a filing fee. The IRS, your local State Taxing Authority, and the U.S. Treasury’s Financial Crimes Enforcement Network (FinCEN) do not require fees for the filings, but the filings are still required. Please check directly with those sites individually for more detailed information and, check with your local attorney to make sure you are proceeding correctly. 

In conclusion, an LLC is a great way to provide protection for yourself and your property. Whether you are a sole proprietor, a partnership, or a group of friends going into business together, this can be a great way to protect yourself, and your friendships. Before you begin, please use the attached checklist to outline the purpose of your LLC and, as always, it is highly recommended that you consult your local attorney to ensure you are preparing the proper paperwork. In many cases, it is better to begin your incorporation process with an outline of what you are trying to achieve and review a sample Operating Agreement before you initiate any filings. Remember, once you start the filing process with your state, you will activate new federal requirements that need to be completed to be compliant for 2024. 
In today’s world, an attorney should be consulted to learn what specific state and federal regulations are enacted and to be advised on the best type of organization needed to protect your personal wealth and assets. In some cases, you may find that setting up a general C Corporation will provide more flexibility than an LLC, but only an attorney can determine that and help guide you in the best direction. 
Thank you and best wishes for your new business. 

RESORCES

SBA

https://www.sba.gov/business-guide/launch-your-business/choose-business-structure

IRS EIN #

https://sa.www4.irs.gov/modiein/individual/index.jsp

State Tax

https://www.sba.gov/business-guide/launch-your-business/get-federal-state-tax-id-numbers#:~:text=Apply%20for%20an%20EIN%20with,becomes%20available%20immediately%20upon%20verification.

Who is a Beneficial owner?

1. https://www.fincen.gov/boi-faqs#D_1

2. https://www.wolterskluwer.com/en/expert-insights/who-is-a-beneficial-owner-under-the-corporate-transparency-act

SECRETARY OF STATE / BUSINESS OFFICES (by State) 

Alabama

https://www.sos.alabama.gov/

Alaska

https://www.commerce.alaska.gov/web/cbpl/BusinessLicensing/ObtainBusinessLicenseNumber.aspx

Arizona

https://azcc.gov/corporations/ten-steps-to-starting-a-business-in-az

Arkansas

https://www.sos.arkansas.gov/business-commercial-services-bcs/forms-fees/corporations

California

https://www.sos.ca.gov/business-programs/business-entities/starting-business/types

Colorado 

https://www.coloradosos.gov/pubs/business/businessHome.html

Connecticut 

https://business.ct.gov/?language=en_US

Delaware

https://corp.delaware.gov/howtoform/

Florida

https://dos.fl.gov/sunbiz/start-business/

Georgia 

https://sos.ga.gov/how-to-guide/how-guide-register-domestic-entity

Hawaii

https://cca.hawaii.gov/breg/

Idaho 

https://sos.idaho.gov/business-services-resources/

Illinois

https://www.ilsos.gov/departments/business_services/incorporation/home.html

Indiana 

https://inbiz.in.gov/start-business

Iowa 

https://sos.iowa.gov/business/formsandfees.html

Kansas 

https://ksbiz.kansas.gov/

Kentucky 

https://web.sos.ky.gov/ofx/

Louisiana 

https://www.sos.la.gov/BusinessServices/StartABusiness/Pages/default.aspx

Maine 

https://www.maine.gov/sos/cec/corp/incorporating.html

Maryland 

https://businessexpress.maryland.gov/

Massachusetts 

https://www.mass.gov/info-details/starting-a-business-in-massachusetts

Michigan 

https://www.michigan.gov/som/business

Minnesota 

https://mn.gov/deed/business/starting-business/organizing/forming-corporation.jsp

Mississippi 

https://www.sos.ms.gov/content/documents/Business/Business%20Entities%20(Clean).pdf

Missouri 

https://www.sos.mo.gov/business/corporations/startbusiness

Montana  

https://sosmt.gov/business/

Nebraska

https://www.nebraska.gov/osbr/index.cgi

Nevada 

https://www.nvsos.gov/sos/businesses/start-a-business

New Hampshire  

https://www.revenue.nh.gov/faq/register-business.htm

New Jersey 

https://business.nj.gov/category/start

New Mexico  

https://www.sos.nm.gov/business-services/start-a-business/

New York  

https://dos.ny.gov/form-corporation-or-business

North Carolina  

https://www.sosnc.gov/Guides/launching_a_business

North Dakota  

https://www.sos.nd.gov/business/business-services/start-business

Ohio  

https://www.ohiosos.gov/businesses/information-on-starting-and-maintaining-a-business/starting-a-business

Oklahoma

https://www.sos.ok.gov/business/infoSB.aspx

Oregon  

https://sos.oregon.gov/business/Pages/register.aspx

Pennsylvania  

https://www.dos.pa.gov/BusinessCharities/Business/Resources/Pages/Pennsylvania-Business-Corporations.aspx

Rhode Island  

https://www.sos.ri.gov/divisions/business-services/ri-business/start-your-rhode-island-business

South Carolina 

https://businessfilings.sc.gov/BusinessFiling/Home/DownloadForms?pdfCategoryId=1&category=Starting%20a%20Business%20in%20South%20Carolina

South Dakota  

https://sosenterprise.sd.gov/BusinessServices/Business/RegistrationInstr.aspx

Tennessee  

https://tnbear.tn.gov/Ecommerce/RegistrationInstr.aspx

Texas  

https://www.sos.state.tx.us/corp/formationfaqs.shtml

Utah 

https://corporations.utah.gov/business-entities/

Vermont  

https://sos.vermont.gov/corporations/registration/domestic-registration/llc/

Virginia 

https://scc.virginia.gov/pages/new-business-resources

Washington  

https://www.sos.wa.gov/corporations-charities/business-entities/limited-liability-companies-llc-online-and-paper-registrations

West Virginia

https://business4.wv.gov/startmybusiness/Pages/Register-Your-Business.aspx

Wisconsin  

https://onestop.wi.gov/

Wyoming  

https://sos.wyo.gov/Business/docs/HowToCreateAWyomingCompany.pdf



 


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