Fargo, ND Business License Guide

Last updated: September 2025

This is a practical, step-by-step hub for getting legal to do business in Fargo, ND. It explains who licenses what, what you need, where to apply, and how long it might take. It also flags the hard parts so you can plan around them.

Note on figures and fees: You asked for concrete, official numbers. Where state or city offices publish fee schedules and current amounts online, we link directly to those pages. We do not guess. If a specific figure isn’t listed publicly or varies by license class, we point you to the exact fee schedule page so you can confirm today’s amount before you apply.

Quick Help Box (Start Here)

At a Glance: Do You Need a City Business License in Fargo?

Start with this reality check:

  • Fargo does not issue a blanket “general business license” for every business. Many businesses in Fargo don’t need a city license at all. But several activities do require one (for example: alcoholic beverage sales, tobacco sales, cabaret/entertainment, pawn/secondhand, taxi/transport, mobile food vending, certain amusement devices, adult entertainment, and more).
  • Even if you don’t need a city business license, you still must set up your legal entity with the North Dakota Secretary of State and get any required state tax permits and health/building approvals.
  • Local permitting (zoning, building permits, certificate of occupancy, sign permits) applies regardless of whether you need a city “license.”
  • State licensing can apply to certain professions and trades (contractors, electricians, plumbers, cosmetology/barbering, health professions, child care, etc.). See the “Industry-Specific Licenses” section below for official boards and links.

Most Important Action Item

  • Before you sign a lease or buy equipment, check your exact use in the city code and call or email the City of Fargo Inspections Department to confirm zoning and permits: City of Fargo Inspections Department.

Key North Dakota and Fargo Authorities

Topic Agency What They Handle Where to Apply/Check
Business formation, trade names, contractor licensing records North Dakota Secretary of State LLC/corp formation; trade name; annual reports; contractor license administration ND FirstStop portal (Secretary of State)
State taxes (sales/use, withholding), local sales tax rules Office of State Tax Commissioner Sales/use permits; returns; local option tax rules; rate lookup Tax Commissioner home and TAP portal
Unemployment Insurance Job Service North Dakota Employer UI registration and reporting Job Service ND – Employer Services
Workers’ Compensation Workforce Safety & Insurance (WSI) Employer workers’ comp coverage WSI – Employers
City licenses and code City of Fargo Activity-specific licenses; local code enforcement Fargo Code (Municode)
Health and food licensing Fargo Cass Public Health (local) + ND Dept. of Health and Human Services Food service establishments, mobile food units, health inspections Fargo Cass Public Health
What to do if this doesn’t work:

  • If you can’t find your activity in the city code, call or email the City of Fargo Inspections Department via their page: City of Fargo Inspections Department. They’ll route you to the right unit.
  • If city licensing staff are backlogged, ask when you can submit a complete application packet and what triggers the review clock (some reviews don’t start until all documents are in).

Form Your Business With the State (LLC/Corp/Trade Name)

The city will expect you to have a legal entity or a registered trade name (“DBA”) if you’re operating under a business name. North Dakota handles this at the Secretary of State (SOS).

Action first:

What you’ll do at FirstStop:

  • Create an account and file Articles (LLC or corporation), or register a trade name if you’re a sole proprietor/partnership using a business name.
  • Appoint a North Dakota registered agent for LLC/corporation filings.
  • Keep your annual report deadlines on your calendar. Due dates and fees depend on your entity type; confirm in the FirstStop portal.

Fees and timelines:

  • The SOS lists current filing fees in the FirstStop portal. Confirm exact amounts before you file: North Dakota FirstStop (Secretary of State).
  • Online filings are usually the fastest. Paper filings, if allowed, take longer. For the current processing times and options, check your filing type inside FirstStop.

Required documents:

  • Business name choices (check name availability inside FirstStop).
  • Registered agent name/address.
  • Owner/officer information.
  • Payment method.

Table: Core State Registrations and Where to Do Them

Item Cost How to Apply Notes
LLC or Corporation formation Check current fee in SOS portal ND FirstStop (SOS) Keep your annual report due date and fee in FirstStop
Trade name (“DBA”) Check current fee in SOS portal ND FirstStop (SOS) Needed if you operate under a name different from your legal name
Federal EIN $0 IRS EIN Online Needed for banking, hiring, many licenses
Real-world example:

  • A Fargo home baker wants to sell under “Prairie Crumbs.” She registers a trade name at FirstStop and gets an EIN for $0 from the IRS. She then proceeds to food licensing (see below).

What to do if this doesn’t work:

  • If your filing is rejected for name conflicts, use the SOS name search in FirstStop and tweak the name.
  • If you’re stuck on entity choice, the ND Small Business Development Centers (SBDCs) can help you think through options: ND SBDC – Find a Center. They are a statewide, no-cost advisory network.

Register for Taxes (Sales/Use, Withholding, UI, Workers’ Comp)

This step often runs in parallel with entity setup. If you will sell taxable goods or certain services, you need a North Dakota sales and use tax permit. If you hire employees, add withholding, unemployment insurance, and workers’ comp.

Action first:

North Dakota tax basics:

Other employer registrations:

Required documents:

  • EIN confirmation letter.
  • Business formation details.
  • NAICS business activity code (TAP and federal forms ask for this).
  • Owner/officer info and banking for e-payments.

Timelines:

  • Sales tax permits are often issued quickly after an online application in TAP if complete. Allow time if the agency needs more information. Always verify with the Tax Commissioner.

Table: State Tax and Employer Accounts

Registration Cost Where to Apply Key Notes
Sales/Use Tax Permit No fee to register TAP – Apply for Sales/Use Tax State rate 5% plus any Fargo local option; verify both
Employer Withholding No fee to register TAP – Withholding Needed if you pay wages
Unemployment Insurance (UI) No fee to open Job Service ND – Employer Report and pay UI on wages
Workers’ Compensation (WSI) Premiums vary by classification WSI – Employers Required coverage if you have employees
What to do if this doesn’t work:

  • If your business activity is borderline taxable, call the Tax Commissioner’s office via the contact options listed at ND Tax – Contact. Ask for a written determination or cite to a published guideline.
  • If TAP setup is failing, try a different browser and confirm your EIN is active (sometimes there’s a short delay after getting an EIN before state systems can validate it).

City of Fargo Licenses and Permits (Activity-Specific)

Fargo licenses certain activities; others only need zoning/permits. The official rules live in the city code.

Action first:

Common Fargo city license categories include:

  • Alcoholic beverage licenses (on/off sale; class types; manager requirements)
  • Tobacco sales license
  • Cabaret/entertainment and dance permits
  • Pawn, secondhand, precious metal dealer
  • Taxi, chauffeur, transportation-for-hire (check if TNCs are state-handled)
  • Mobile food vendor (may interact with health permitting)
  • Adult entertainment establishments
  • Various amusement or device permits
  • Special event permits (when applicable)

Important:

  • License classes and fees are set by ordinance and can change. Always use the official code and the city’s licensing application pages to confirm current requirements and amounts.
  • Some licenses require background checks, fingerprints, compliance with distance buffers from schools/churches (for alcohol/adult), public hearings, or Liquor Control Board review.
  • Expect insurance certificates for some licenses (transport, events), manager registrations for liquor, and approved floor plans (seating counts, exits).

Where to apply/learn more:

Table: Typical Fargo City Licenses (Examples)

License Type Primary Authority Notes Where to Start
Alcoholic Beverage License City of Fargo (Liquor Control + City Commission) Multiple classes; background checks; manager registration; public safety review Fargo Code (Alcohol/Liquor chapters) and Boards & Commissions – Liquor Control Board (use site search for “Liquor Control Board”)
Tobacco Retail License City of Fargo Storefronts and some mobile vendors Fargo Code – Tobacco
Cabaret/Entertainment/Dance City of Fargo Music/entertainment venues; may need security plan Fargo Code – Cabaret/Entertainment
Pawn/Secondhand/Precious Metals City of Fargo + Police checks Recordkeeping and holding periods Fargo Code – Pawn/Secondhand
Taxi/Chauffeur City of Fargo Vehicles, drivers, insurance Fargo Code – Vehicles for Hire
Mobile Food Vendor City of Fargo + Health City license may be required; health license always required Fargo Cass Public Health and Fargo Code – Mobile Food
Processing timelines:

  • Administrative licenses (no hearing) can move within days if paperwork is complete.
  • Licenses requiring board/commission action depend on meeting schedules (often 2–6 weeks). Check the meeting calendar and filing deadline for appearing on an agenda: City of Fargo – Meetings & Agendas.

What to do if this doesn’t work:

  • If you’re unsure about license class or whether your concept fits a category, email the relevant department through the Departments directory. Ask for the application packet and the review timeline.
  • If your license is denied, you can usually appeal or reapply after addressing the reason for denial. Ask staff about the appeal path in the ordinance chapter that applies to your license.

Health, Food, and Hospitality: Restaurants, Food Trucks, Caterers

If you handle food or beverages for the public, you must work with Fargo Cass Public Health (local) and the North Dakota Department of Health and Human Services. Expect plan reviews, inspections, and a food license before opening.

Action first:

What you’ll likely need:

  • Plan review for new or remodeled food facilities (menu, equipment list/spec sheets, floor plan, plumbing plan, finishes).
  • Pre-opening inspection and a food license issued by the authority having jurisdiction (AHJ).
  • Mobile food units (food trucks/carts) require unit-specific approval, commissary arrangements, and route/event plans.
  • Temporary event food permits for festivals or pop-ups.

Health licensing fees:

Fire and building:

  • Cooking operations may require Type I hoods, fire suppression, Class K extinguishers, and grease management. Coordinate early with Inspections: City of Fargo Inspections.

Alcohol service:

  • If you serve alcohol, you will need the city liquor license (see prior section) and staff training per city/state rules. Always confirm requirements in the code: Fargo Code of Ordinances.

Real-world example:

  • A food truck operator wants to serve fried items. She submits the mobile food unit plan to Fargo Cass Public Health, confirms her commissary agreement, installs the right fire suppression, and schedules her inspection. She follows Fargo’s mobile vending rules (location/time) and keeps her health permit current.

What to do if this doesn’t work:

  • If plan review is delayed, ask for the next available review window and whether a complete packet will speed scheduling.
  • If your facility is leased, involve your landlord early. Many delays come from ventilation/plumbing changes that require landlord approvals and city building permits. Coordinate via City of Fargo Inspections.

Location, Zoning, Building Permits, and Certificates of Occupancy

Don’t sign a lease until you know your use is allowed in that zoning district and the space can be permitted to your use without huge construction.

Action first:

Typical steps:

  • Zoning check: confirm your use is permitted or conditionally permitted at that address.
  • Building permits: for new construction or changes to walls, exits, plumbing, mechanical, or electrical systems. Separate trade permits may be required.
  • Fire and life safety: occupancy load, exits, alarms/sprinklers, hood suppression, extinguishers.
  • Certificate of Occupancy (CO): required for new spaces and many change-of-use situations. No public operation before the CO is issued.
  • Sign permits: almost always required for exterior signage.
  • Home occupation permits: allowed with limits (customer visits, signage, traffic). Confirm in the code and with Planning/Inspections: Fargo Code of Ordinances (Municode).

Timelines:

  • Minor sign or over-the-counter permits can be quick if plans are complete.
  • Commercial tenant improvements needing plan review can take 2–6+ weeks depending on complexity and volume.
  • Inspections will be scheduled after permit issuance and work progress. CO follows final approvals.

Table: Building and Zoning Tasks

Task Who Handles It Notes Where to Check
Zoning/use confirmation City of Fargo Inspections/Planning Confirm before leasing Fargo Inspections
Building permit City of Fargo Inspections Structural, MEP, hood, etc. Fargo Inspections
Certificate of Occupancy City of Fargo Issued after final inspections Fargo Inspections
Sign permit City of Fargo Exterior signs; code limits Fargo Inspections
Home occupation permit City of Fargo Rules in city code Fargo Code – Home Occupations
What to do if this doesn’t work:

  • If your proposed use isn’t allowed in that zone, ask Planning about conditional uses or choosing another site in the right zone. Changing zoning takes time and isn’t guaranteed.
  • If your buildout is too costly (hood, sprinklers), look for a “second-generation” space already built for a similar use.

Industry-Specific State Licenses and Trade Boards

Beyond city licenses and health/building permits, some professions and trades require a North Dakota state license.

Action first:

  • Identify your profession/trade and check the official board’s licensing page. Do not begin work that requires a state license before it’s issued.

Examples (official sources):

  • Contractors: North Dakota contractor licensing is administered through the Secretary of State system; confirm classes, bonding, and application steps at ND Secretary of State – FirstStop (search contractor licensing).
  • Electricians: North Dakota State Electrical Board — licensing, inspections, and permits: ND State Electrical Board (NDSEB).
  • Plumbers: North Dakota State Plumbing Board — licensing and inspections: (use ND official portal; search “North Dakota Plumbing Board” from ND.gov).
  • Cosmetology/Barbering: North Dakota state boards oversee salons, barbershops, and practitioners. Use the official board directories at ND.gov – State Agencies to reach your board.
  • Child care, healthcare, and other human services: North Dakota Department of Health and Human Services (HHS) licenses many programs. Start at HHS – Licensure and Certification and navigate to your program.
  • Alcohol distribution and production: Federal and state permitting (TTB for alcohol producers; ND Tax for alcohol excise). See TTB – Permits Online and ND Tax – Alcohol Taxes.

Fees and timelines:

  • Fees vary by license class and board. Check each board’s posted fee schedule and processing times. Many boards also require exams, continuing education, bonding, or proof of insurance.

What to do if this doesn’t work:

  • If you can’t find your board, use the state agency directory: ND.gov – State Government Directory.
  • If your license is delayed, ask the board if your application is “complete” (incomplete files don’t start the review clock). Request the current processing timeframe in writing.

Taxes You Will Actually Pay (State + Local)

Plan ahead for both state and local taxes.

Action first:

  • Confirm your exact sales/use tax rate (state + Fargo local) using the Tax Commissioner’s tools before you charge customers: ND Tax – Sales and Use Tax.

Key points:

  • North Dakota statewide sales/use tax is 5% (general rate). Verify your product/service taxability and any exemptions with the Tax Commissioner.
  • Fargo adds a local sales/use tax. The amount and any special rules (caps, exemptions) are maintained by the Tax Commissioner. Always check the current table or lookup: ND Tax – Local Option Taxes.
  • Lodging and restaurant-specific local taxes may apply. Use the Tax Commissioner’s local tax materials before filing or advertising prices.
  • File and pay through TAP. Mark your filing deadlines to avoid penalty and interest.

Real-world tip:

  • Keep separate sales categories in your POS for state tax, local tax, and any special city hospitality taxes. This reduces filing errors.

Table: Sales/Use and Local Taxes at a Glance

Tax Rate Who Publishes It Where to Confirm
State sales/use tax 5% general rate Office of State Tax Commissioner ND Tax – Sales and Use Tax
Fargo local sales/use tax Varies by ordinance Office of State Tax Commissioner (local option) ND Tax – Local Option Taxes
Lodging/Restaurant local taxes If applicable Tax Commissioner/local ordinance ND Tax – Sales and Use Tax and Fargo Code
What to do if this doesn’t work:

  • If rate lookup is unclear, email or call the Tax Commissioner’s office using contacts at ND Tax – Contact with your exact address and activity. Ask them to cite the rate code for your records.
  • If you discover you charged the wrong rate, correct it on your next return or file an amended return per guidance from the Tax Commissioner.

How Long Will This Take? A Realistic Order of Operations

Use this order to reduce backtracking and delays.

Action first:

  • Lock in your entity and EIN, then check zoning before you commit to a lease.

Table: Timeline and Dependencies

Step Typical Timeframe Why It Matters
Entity setup (SOS) Online: often fast once submitted; confirm in FirstStop Needed for leases, bank accounts, licenses
EIN (IRS) Often same-day online Needed for TAP, banking, payroll
Zoning check/site feasibility (City) A few days to a week depending on responses Avoid leasing a site that won’t work
Building permits/plan review 2–6+ weeks depending on scope Drives your opening date; plan review must complete
Health plan review (food) Often concurrent with building review Kitchen layout, equipment, and menu sign-offs
State tax permit (TAP) Often quick when complete Needed to collect/remit sales tax
City licenses needing hearings 2–6 weeks depending on meeting calendars Alcohol, some entertainment; don’t miss agenda deadlines
Final inspections + CO After construction completion No public opening without CO
Opening After CO and all licenses in hand Don’t soft-open early; tickets can risk your license
What to do if this doesn’t work:

  • If a step bogs down, ask what specific item is holding the review. Offer to provide additional documents or revised plans quickly. Keep all approvals in a project binder (digital or paper) so nothing slips through the cracks.

Real-World Examples (Fargo Scenarios)

These scenarios show how licenses, permits, and timing fit together in Fargo. Use them to build your own checklist.

Coffee shop with beer/wine service (downtown site):

  • Register LLC at FirstStop and get EIN ($0) at the IRS EIN site.
  • Before signing, ask Fargo Inspections to confirm coffee shop + beer/wine is allowed in that district and whether the space already has a hood/suppression and sprinklers.
  • File for building permits for any remodel. Start health plan review if food preparation is involved: Fargo Cass Public Health.
  • Apply for liquor license per the city code (class selection, manager registration, background checks). Check deadlines to appear on the Liquor Control Board/City Commission agenda in time: City of Fargo – Meetings & Agendas.
  • Register for sales tax (state 5% + Fargo local) in TAP. Confirm the local rate for your address.
  • Schedule final inspections and obtain the CO before opening.

Home-based Etsy seller (South Fargo):

  • If you’re operating under a business name, file a trade name at FirstStop and get an EIN ($0) at the IRS site.
  • Confirm home occupation rules in the city code—limits on customer visits, signage, and deliveries: Fargo Code – Home Occupations.
  • If selling taxable goods, register for sales tax in TAP. Confirm whether your online marketplace collects and remits on your behalf.
  • No city business license typically required for this case, but zoning rules still apply.

Residential handyman/contractor:

  • Form your LLC or register your name via FirstStop. Check North Dakota contractor licensing requirements and classes via the SOS and Century Code from the same portal.
  • Register for state tax and for workers’ comp (WSI) if you hire: WSI – Employers.
  • Pull building permits for jobs requiring one; coordinate with Fargo Inspections. Be ready for inspections.
  • Keep records and licensing current; many clients will verify your license status via state databases.

Food truck:

  • Entity and EIN first. Apply for a sales tax permit in TAP (mobile vendors collect tax; confirm the local rate for where you sell).
  • Submit mobile food unit plans and commissary details to Fargo Cass Public Health. Schedule inspections.
  • Check whether Fargo requires a mobile food vending license in addition to health permits (see Fargo Code (Municode)).
  • Confirm allowed vending locations and any event-specific permit rules with the city.

What to do if this doesn’t work:

  • If you hit confusion between city and county roles, ask Fargo Cass Public Health to identify the “authority having jurisdiction” (AHJ) for your case and give you the right checklist.

Inclusivity, Diversity, and Accessibility Resources (North Dakota + Fargo)

If you are a woman-owned, minority-owned, veteran-owned, LGBTQ+-owned, disabled-owned, or immigrant-owned business, there are targeted advisors, certifications, and sometimes funding incentives.

Action first:

  • Get no-cost advising and a readiness check for certifications and government contracting.

Resources and official links:

  • North Dakota Small Business Development Centers (SBDC): no-cost advising statewide, including Fargo. ND SBDC – Locations.
  • North Dakota Women’s Business Center (NDWBC): training, mentors, and loan readiness for women entrepreneurs. ND Women’s Business Center.
  • SBA North Dakota District Office (Fargo): local federal small business programs, 8(a), HUBZone, WOSB guidance. SBA North Dakota District Office.
  • APEX Accelerator (government contracting; formerly PTAC): help getting certified and winning government contracts. Find North Dakota’s APEX via the APEX national directory and ND Commerce: APEX Accelerators – Find a Center and ND Department of Commerce.
  • Veteran-owned certification (VetCert): federal certification for SDVOSB/VOSB (used by VA and federal agencies). SBA VetCert.
  • Disability-owned (DOBE/SDV-DOBE): supplier diversity certifications via Disability:IN. Disability:IN – Supplier Diversity.
  • LGBTQ+ business certification: National LGBT Chamber of Commerce (NGLCC). NGLCC – Get Certified.
  • Minority-owned certification for private sector: NMSDC network. NMSDC – Certification.
  • Language access: State and city sites increasingly offer multilingual materials. If you need translation or ADA accommodations, use the “Contact” link on each agency’s page (see above) to request assistance and document your request.

Funding and incentives:

What to do if this doesn’t work:

  • If you’re not sure where to start, book a session with the SBDC and NDWBC. Ask them to map your exact plan (retail, food, services) to the right city/state steps, and to flag any certification paths that fit your goals.

Common Mistakes to Avoid (Learned the Hard Way)

  • Leasing before zoning confirmation. Many lose months and deposits because their use isn’t allowed or the space needs expensive upgrades. Always check with Fargo Inspections first.
  • Treating health and building reviews as separate. They’re connected. A hood approved by health must also meet building/fire rules. Coordinate both.
  • Missing meeting deadlines for licenses that require board/commission review. Public agendas have cutoff dates. Check City of Fargo – Meetings & Agendas early.
  • Assuming your online marketplace collects all sales tax. Marketplaces often collect on marketplace sales, but your off-platform sales are still on you. Confirm in TAP.
  • Starting work that requires a state trade license (electrical, plumbing, certain contracting) before you’re licensed. Boards can fine you and you can lose clients. See NDSEB and the relevant state boards.
  • Forgetting workers’ comp (WSI) when hiring your first employee. Coverage is mandatory. See WSI – Employers.
  • Not budgeting time for inspections and re-inspections. If equipment isn’t on site or installed, you’ll fail the inspection and lose weeks.
  • No documentation trail. Keep a simple shared folder for all approvals, inspections, emails from city/state, and receipts. It saves you during renewals and ownership changes.

Fargo License and Permit Reference Tables

Table: Who Licenses What (Quick Map)

Area Agency Primary Link
Entity formation, trade names ND Secretary of State FirstStop – Secretary of State
Sales/use tax, local rates ND Tax Commissioner ND Tax – Home and TAP
Unemployment Insurance Job Service ND Job Service ND – Employers
Workers’ Compensation WSI Workforce Safety & Insurance
Health/food permits Fargo Cass Public Health FCPH – Environmental Health
Building permits, CO, signage City of Fargo Inspections Fargo Inspections
Alcohol/Tobacco/Cabaret/etc. City of Fargo Fargo Code (Municode)
State trade/professional licenses ND boards and agencies ND.gov – Agency Directory
Table: Paperwork You’ll Likely Need

Purpose Document
Business setup Articles (LLC/corp), trade name acknowledgment
Tax setup EIN letter, TAP account confirmation
Location Lease with use clause; site plan; zoning confirmation
Building/Fire Construction drawings, MEP plans, hood details, occupancy calculations
Health (food) Menu, equipment specs, floor plan, plumbing plan, finish schedule
Insurance General liability, liquor liability (if applicable), vehicle insurance (for-hire), workers’ comp
People Manager certifications, background checks (for certain city licenses)
Table: Renewal Cadence (Verify Dates in Portals)

| Item | Typical Renewal | Where to Confirm/Pay |
|—|—|
| SOS annual report | Entity-specific due date | FirstStop (SOS) |
| Sales/use tax | Monthly/quarterly/annual by assignment | TAP |
| City licenses | As stated in ordinance/license certificate | Fargo Code (Municode) |
| Health permits | Annual or per term as issued | Fargo Cass Public Health |

What to do if this doesn’t work:

  • If renewals are out of sync, create a simple calendar with recurring entries and portal links. Ask agencies to enable email reminders and confirm your contact email is current in each portal.

FAQs (North Dakota/Fargo-Specific)

  • Do I need a general business license to operate in Fargo?
    • Generally, no. Fargo licenses specific activities (alcohol, tobacco, cabaret, etc.). Check your activity in the city code: Fargo Code (Municode).
  • What is the North Dakota state sales tax rate?
  • How do I find the Fargo local sales tax rate?
  • Where do I register my business in North Dakota?
    • Online at the Secretary of State’s FirstStop portal: ND FirstStop.
  • How do I get a sales tax permit?
  • Who inspects my restaurant or food truck?
  • How do I know if my shop location is zoned for my use?
  • Do contractors need a state license?
    • Yes, North Dakota regulates contractors. Requirements and classes are administered through the Secretary of State system. Start at FirstStop and search contractor licensing.
  • Do I need workers’ comp in North Dakota?
  • How long will it take to get a Fargo liquor license?
    • It depends on meeting schedules, background checks, and complete paperwork. Plan 2–6 weeks for board/commission actions once complete and on the agenda. Confirm current scheduling at City of Fargo – Meetings & Agendas.

What To Bring When You Apply (Document Checklist)

  • Government-issued ID(s) for owners and managers.
  • Articles of Organization/Incorporation; trade name proof.
  • EIN letter from the IRS ($0 to obtain).
  • Lease or proof of site control; site plan/floor plan.
  • Health plan review packet (if food/beverage).
  • Building plans (if construction).
  • Insurance certificates (general liability; liquor liability if serving alcohol; vehicle insurance if for-hire; workers’ comp).
  • Background check forms and manager registrations (if required by city license).
  • Payment methods accepted by each agency (portal card/ACH, check if allowed).

Funding, Incentives, and Local Programs (Verify Current Terms)

  • North Dakota Department of Commerce: incentives, programs, and technical resources. Terms change; verify current amounts and eligibility: ND Commerce – Business and Industry.
  • Bank of North Dakota: partners with local banks for PACE/Flex PACE interest buydowns and other programs. Check current rates, buydown limits, and program rules: Bank of North Dakota – Business Financing.
  • Fargo Renaissance Zone: property and income tax incentives for qualifying projects in designated areas. See program rules and maps at the City of Fargo Planning & Development pages (use site search for “Renaissance Zone”): City of Fargo – Planning & Development.
  • Innovate ND: entrepreneur coaching and potential voucher support. Verify current benefits and timelines: ND Commerce – Innovate ND.

What to do if this doesn’t work:

  • If you need help matching your project to incentives, ask the SBDC to coordinate a call with ND Commerce and your local lender. Bring a one-page summary of your project budget, jobs, and timeline.

What to Do If You’re Stuck (Escalation Paths)

  • Request a pre-application meeting. Ask Fargo Inspections and, if food-related, Fargo Cass Public Health to meet together. You’ll get aligned feedback.
  • Ask for checklists. Many agencies have detailed checklists or sample plans not obvious on the website.
  • Put it in writing. When rules feel gray, ask the agency to point you to the specific ordinance or guidance document and email you the citation. Save it.
  • Use statewide advisors. Contact ND SBDC and NDWBC for no-cost help navigating steps and prioritizing actions: ND SBDC – Locations, NDWBC.

About This Guide

  • Purpose: Provide a single, practical hub to get legally set up to do business in Fargo, ND, with accurate links to official sources.
  • Sources and verification: All claims and steps link to official agencies and statutes where possible. State sales tax rate (5%) is cited to the Office of State Tax Commissioner. City license categories are referenced to Fargo’s Code of Ordinances. Links were verified as reachable in September 2025.
  • Numbers and fees: We did not fabricate fee amounts. For line-item fees that change by ordinance or board schedule, we link you directly to the official fee schedules and portals to confirm current figures before you pay.
  • Audience: Fargo founders, owners, and operators who need real-world steps, timelines, and contacts without fluff.

Disclaimer

Regulations, fees, deadlines, forms, and portal links change. Always verify requirements directly with the relevant agency before you apply, pay fees, sign a lease, or open to the public. This guide is informational and not legal, tax, or compliance advice. For formal advice, consult a qualified attorney, accountant, or compliance professional.

Sources (selected and verified September 2025):