To start a business in San Bernardino, you will test your idea, write a simple business plan, choose a business structure, register your business name, get the right licenses and permits, and set up your finances. Taking these steps in order helps you avoid costly mistakes and start on solid ground.
Many people in the Inland Empire dream of being their own boss. This plain guide walks you through the basic steps and points you to the official sources where you can confirm current rules.
Step 1: Test Your Business Idea
Before you spend money, make sure people want what you plan to sell. Ask yourself:
- What problem does my product or service solve?
- Who are my customers, and where do they live or shop?
- Who else offers something similar, and how will I be different?
- Will people pay enough to cover my costs and make a profit?
Talk to potential customers. Try selling a small amount first. Their feedback is valuable.
Step 2: Write a Simple Business Plan
A business plan is your roadmap. It explains what you sell, who you sell to, how you will reach customers, and how the numbers work. You will need one if you plan to ask a lender or investor for money, and it helps even if you do not.
Step 3: Choose a Business Structure
Your business structure affects taxes, paperwork, and personal liability. Common options include:
- Sole proprietorship: One owner, simple to start, but the owner is personally responsible for business debts.
- Partnership: Two or more owners share the business.
- Limited liability company (LLC): Can help separate business and personal liability. LLCs are formed through the California Secretary of State.
- Corporation: A more formal structure, also filed with the California Secretary of State.
Consider talking with a tax professional or attorney before you decide.
Step 4: Register and Get Licensed to Start a Business in San Bernardino
The paperwork depends on your business type and location. Common steps include:
- Fictitious business name: If you use a name other than your own legal name, you may need to file a fictitious business name statement with the San Bernardino County Assessor-Recorder-County Clerk.
- Employer Identification Number (EIN): Get one free from the IRS at IRS.gov if you will hire employees or form certain business types.
- City business license: Businesses in city limits generally need to register with the City of San Bernardino. Other cities and unincorporated areas have their own rules.
- Seller's permit: If you sell goods, you may need one from the California Department of Tax and Fee Administration (CDTFA).
- Special permits: Food, health, and some professional services need extra permits or state licenses.
Always confirm current requirements with each official agency.
Step 5: Set Up Your Finances
- Open a separate business bank account.
- Choose a simple bookkeeping system and record every sale and expense.
- Save receipts and keep track of tax deadlines.
- Know your startup costs and how you will pay for them.
Step 6: Get Local Support
You do not have to do this alone. Small Business Development Centers (SBDCs) offer business advising, and many services are free. Local workshops can help you build skills in marketing, bookkeeping, and pitching your business.
The Ayangbah Foundation's Entrepreneurship & Small Business workshop series covers business plans, licensing, bookkeeping, and a chance to pitch to local judges, plus SBDC referrals. Our Career Readiness & Entrepreneurship Employment Training, part of our workforce development in San Bernardino, also covers business development and digital marketing.
FAQ
How much does it cost to start a business in San Bernardino?
It depends on your business type, structure, and licenses. Check fees directly with the City of San Bernardino, San Bernardino County, and state agencies.
Can I run a business from my home?
Often, yes, but home-based businesses may have zoning rules. Check with your city's planning department before you start.
Do I need a business plan to start?
It is not always required, but it is strongly recommended. Lenders usually ask for one, and it helps you think through your costs and goals.
Take the First Step Toward Your Business
Your business idea deserves a strong start. Join The Ayangbah Foundation's Entrepreneurship & Small Business workshops to build your plan, understand licensing, and learn bookkeeping basics with support from people who know the Inland Empire. Apply online to get started.