Indianapolis, IN Business License Guide

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The Ultimate Indianapolis, Indiana Business License Guide (2025)

Last updated: September 2025

This is a practical, plain‑English hub for getting legal to do business in Indianapolis (Marion County). It covers the exact agencies you’ll deal with, what they actually require, real timelines, fees where publicly available, and direct links to official government sources. No fluff. If you see numbers here, they come from the linked source and include the date it was posted or last reviewed when possible.

Tip: Indianapolis does not have a single “general business license.” You’ll register at the state level and then only add local licenses and permits that apply to your location and industry. For many businesses, the key local items are zoning/occupancy and, if you sell food or do certain trades, a specific license or health permit.

Quick help box (save these links)

The short version (what most businesses actually need first)

  • Register your entity or DBA with the State of Indiana at INBiz (official). If you’re forming an LLC or corporation, you’ll file here. Sole proprietors and general partnerships using a name that’s not your legal name file a “Certificate of Assumed Business Name” with the Marion County Recorder or via INBiz (entities). See: INBiz — Register a Business
  • Get your federal EIN from the IRS (free). Do it online and get it immediately: IRS — Apply for an EIN (official)
  • Register for Indiana business taxes (sales tax/withholding) at INBiz or directly on INTIME. The Registered Retail Merchant Certificate (sales tax license) has a one‑time registration fee of 25∗∗perlocationaspostedbytheIndianaDepartmentofRevenue(confirmcurrentfee):[DOR—RegisteraNewBusiness](https://www.in.gov/dor/tax−forms/business−tax−forms/)(official;see“SalesTax”and“RetailMerchantCertificate”guidance;feehistorically∗∗25** per location as posted by the Indiana Department of Revenue (confirm current fee): [DOR — Register a New Business](https://www.in.gov/dor/tax-forms/business-tax-forms/) (official; see “Sales Tax” and “Retail Merchant Certificate” guidance; fee historically **25)
  • Verify zoning and get your Certificate of Occupancy before opening your space. Use the city’s BNS pages to check your address and permitted use, and to schedule inspections: Indy BNS — Licenses & Permits and Indy PermitHub / Citizens Access (official entry page; account needed)
  • Add any industry license your work requires (common ones: health permit for food, contractor/trade licenses, body art, peddler/itinerant merchant, alcoholic beverage permit). Start here to see the city list: Indy BNS — Business Licensing (official), and here for county health: MCPHD — Food & Consumer Safety (official), and for alcohol: ATC — Alcohol Permits
  • If you hire employees, set up unemployment insurance and workers’ compensation. Employer accounts: DWD — Employer Self-Service (official). Workers’ compensation info and coverage: IN Workers’ Compensation Board (official)

Reality check: Indianapolis doesn’t issue a “general business license”

  • Indiana does not require a universal state business license. You register a legal entity and the appropriate state tax accounts, then you add only those local or state licenses/permits that apply to your work and location.
  • Indianapolis/Marion County issues licenses only for certain activities (for example: contractor/trade categories, food trucks and restaurants via MCPHD, body art, vehicle-for-hire, etc.). Many businesses will mainly deal with zoning/occupancy and state tax registration.
  • Expect to spend real time on zoning and occupancy. Many new owners discover the space they love isn’t zoned for their use or needs code upgrades. Catch this early by checking with BNS and, if needed, seeking a Use Variance or a permit plan review through the city’s portal. See: Indy — Zoning & Land Use (official topic hub) and Indy — Board of Zoning Appeals (official)
  • Sales tax in Indiana is 7% statewide with no local sales tax add‑on in Marion County. Source: Indiana DOR — Sales Tax Overview (official; accessed 2024–2025)

Who licenses what in Indianapolis (at‑a‑glance)

Table updated with official sources linked below. Always verify fees and processing times—these change.

Topic Who issues/oversees Core action Typical timeline (realistic) Official source
Entity formation (LLC/Corp) Indiana Secretary of State via INBiz File Articles; get approval email Same day to a few business days (online) INBiz — Start a Business
DBA/Assumed Business Name County Recorder (sole prop/GP) or Secretary of State (entities) File ABN/DBA Same day to a few days INBiz — Assumed Name
Federal EIN IRS Apply online (free) Immediate online IRS — EIN Application
Sales tax (RRMC) & withholding Indiana DOR (INTIME/INBiz) Register; pay one‑time RRMC fee ($25 as posted) Often same day; certificate issued electronically DOR — Business Tax Registration
Zoning/use & occupancy Indy BNS Zoning check; building permits; Certificate of Occupancy Days to weeks depending on work Indy — Licenses & Permits
Building/Sign/ROW permits Indy BNS & DPW Apply via PermitHub/Citizens Access Varies by scope; plan review adds time Indy — Permits
Health permits (food) Marion County Public Health Department (MCPHD) Plan review; facility or mobile permit Weeks (plan review + inspections) MCPHD — Food & Consumer Safety
Alcohol permits Indiana ATC + local board Apply; local board hearing; ATC approval Months (quota/board schedule) ATC — Alcohol Permits
Contractor/trade licenses Indy BNS + IPLA (some trades) City contractor license; state license as required Days to weeks Indy — Contractor Licensing and IPLA
Employer UI & Workers’ Comp DWD & Workers’ Compensation Board Employer accounts; buy WC policy Days DWD Employers and WCB

What to do if this doesn’t work:

Start here: The exact sequence most Indy businesses follow

The order below keeps you from backtracking, especially on space, zoning, and health/fire approvals.

  • Choose your legal structure and name. If forming an LLC or corporation, file with the Indiana Secretary of State through INBiz. If you’re a sole proprietor or general partnership using a name that isn’t your real/legal name, file an Assumed Business Name with the Marion County Recorder. See: INBiz — Start a Business (official).
  • Get your EIN from the IRS (free). Do it online: IRS — Apply for EIN.
  • Register for state tax accounts (sales tax/withholding) via INBiz or directly in INTIME. Indiana’s Registered Retail Merchant Certificate (RRMC) has a one‑time registration fee of $25 per location (per DOR). Source (verify current fee): DOR — Register a New Business.
  • Before you sign a lease, confirm zoning and required upgrades. Use Indy’s BNS resources to verify your use is allowed at the address and what improvements or permits you’ll need. Start here: Indy — Zoning & Permits. If you need a variance or special exception, plan for hearings via the Board of Zoning Appeals: Indy — BZA.
  • Fit‑out/build‑out correctly, then get your Certificate of Occupancy (C of O). Apply for building/sign permits in the city’s portal and coordinate inspections. You cannot legally open to the public without a C of O. Portal: Indy — Permits.
  • Layer on industry‑specific licenses. Common in Indy: MCPHD food permits for restaurants/food trucks/caterers; ATC permits for alcohol; BNS contractor licenses if pulling building permits; MCPHD body art permits. Check: MCPHD Food & Consumer Safety and ATC Alcohol.
  • Set up employer accounts if you’ll hire. Unemployment insurance: DWD — Employer Self-Service. Workers’ compensation: most employers must carry coverage—see the Workers’ Compensation Board of Indiana and your insurance agent.

What to do if this doesn’t work:

  • If a lease is pushing you to move faster than approvals allow, negotiate contingencies (zoning approval, health permit plan review clearance, or fire upgrades) before you sign. If needed, consult the Indy Ombudsman / Mayor’s Action Center at 317‑327‑4622 to route you to the right city division.

Fees and timelines (what’s known and where to verify)

Note: Fees often change each fiscal year. When we can cite a number, we link it. For other items, use the official fee schedule linked and confirm current amounts.

Item Fee (as published) Source Typical timeline
Registered Retail Merchant Certificate (sales tax) $25 one‑time (per location) Indiana DOR — Register a New Business (official; verify current fee) Often same day approval in INTIME
Indiana sales tax rate 7% statewide (no local add‑on in Marion County) Indiana DOR — Sales Tax (official) N/A
LLC filing fee (online) See current fee; historically $95 online INBiz — Fees & Filings (official) Same day to a few business days
Marion County food permit fees Check MCPHD fee schedule MCPHD — Food & Consumer Safety (official) Plan review + inspection: weeks
City contractor/trade license fees Check BNS fee schedule Indy — Licenses & Permits (official) Days to weeks

What to do if this doesn’t work:

  • If you can’t find the exact fee on the site, call the agency’s main line and ask for the “current fee schedule for [permit name].” DOR: 317‑232‑2240; MCPHD: 317‑221‑2000; Indy BNS via Mayor’s Action Center: 317‑327‑4622.

Zoning, permits, and occupancy (don’t skip this)

Start with zoning. Make sure your use is permitted at your address before you sign a lease or invest in build‑out.

  • Check zoning and use: Use Indianapolis’s zoning and permitting resources to confirm your business type is allowed at your address and whether you’ll need a variance, special exception, or development standards variance. Start: Indy — Permits & Zoning (official).
  • Plan review and building permits: If you’re altering the space, you’ll likely need plan review and permits (building, electrical, mechanical, plumbing, signage, right‑of‑way if using sidewalks). Apply via: Indy — Permits (PermitHub/Citizens Access) (official).
  • Fire/life safety: Commercial kitchens (hoods, suppression), assembly spaces, and any changes impacting life safety will require inspections. Coordinate through the city’s permitting portal and the Indianapolis Fire Department Fire Prevention Division (linked from Indy’s permit pages).
  • Certificate of Occupancy (C of O): You must have a valid C of O for your use. This confirms the space passed final inspections.

Common Mistakes to Avoid:

  • Signing a lease before confirming your use is allowed and the space can pass inspections without very expensive upgrades.
  • Skipping plan review on “minor” changes. Countertops, walls, electrical, and plumbing usually require permits.
  • Ordering signage before a sign permit is approved. Sign rules in Indy are strict.

What to do if this doesn’t work:

  • If your use isn’t allowed, you can seek a variance via the Board of Zoning Appeals. This takes time (public notice, hearings). See: Indy — Board of Zoning Appeals. You can also consider a different space that allows your use by right.

Health permits for food businesses (restaurants, food trucks, caterers, markets)

If you handle, prepare, or sell time/temperature‑controlled foods, you need a license from the Marion County Public Health Department (MCPHD). Even mobile vendors typically need plan review and inspection.

  • Start with MCPHD’s Food & Consumer Safety page: Food & Consumer Safety — MCPHD (official). You’ll find plan review forms, risk categories, and permit requirements.
  • New or remodeled establishments need plan review. Submit menus, equipment specs, and plans. Wait for approval before construction.
  • Schedule pre‑opening inspections. You’ll get your permit only after you pass.
  • Food trucks/mobile units: Expect both health and fire safety requirements (mobiles often require Class K extinguishers, hood/suppression if applicable). Check MCPHD and the city/IFD requirements linked from the Indy permit portal.
  • Home‑based vendors (cottage foods): Indiana allows “Home Based Vendors” to make specific low‑risk foods with labeling rules and restrictions. See the Indiana Department of Health’s guidance: Indiana Department of Health — Home Based Vendors (official; updated after HEA 1149 (2022)). Shipping within Indiana is permitted for eligible foods; retail food establishment permits aren’t required for HBVs, but labeling is mandatory.

Required documents (typical):

  • Completed plan review application and menu.
  • Equipment list with spec sheets; floor plan.
  • Certified Food Protection Manager certificate for at least one person in charge (ServSafe or equivalent; check MCPHD accepted programs).
  • Proposed operating procedures (cleaning, cooling, allergen control).
  • For mobiles: commissary agreement (if required), water/wastewater details, and fire suppression documentation if applicable.

Fees, timelines, and inspections:

  • Fees vary by risk category and type (fixed, mobile, seasonal). MCPHD posts the current fee schedule and application forms: MCPHD — Food & Consumer Safety. Confirm fees directly with MCPHD at 317‑221‑2000.
  • Plan for weeks (plan review + corrections + inspection). Peak seasons (spring/summer) can take longer.

Real‑world example:

  • A Broad Ripple coffee shop adding a small hot kitchen found it needed a Type I or Type II hood upgrade to pass fire and health inspections. The hood/suppression added unplanned cost and time. Always verify equipment and ventilation specs during plan review before purchase.

What to do if this doesn’t work:

  • If your timeline is tight, ask MCPHD about expedited options and schedule your inspection as soon as you have approval and are truly ready. If your design hits a roadblock, a plan review consult can save weeks.

Alcohol permits (bars, restaurants, retail)

Alcohol is regulated by the Indiana Alcohol & Tobacco Commission (ATC) and local Alcoholic Beverage Boards. There are quotas for certain permits (like three‑way restaurant permits), and the process includes local board hearings.

  • Start here: ATC — Alcohol Permits & Applications (official). You’ll find permit types, forms, and instructions.
  • Marion County Alcoholic Beverage Board: Applications are heard locally before ATC final action. See board schedules and notices on the ATC site.
  • Timelines: Plan for months, especially if you’re seeking a quota‑limited permit that may require waiting or purchasing a permit on the open market.
  • Compliance: Server permits, age verification, and training requirements apply. See: ATC — FAQs & Server Permits.

What to do if this doesn’t work:

  • If quota permits are out of reach, consider a beer/wine permit (if it fits your concept) or partner with an existing permit holder via a management agreement (legal counsel recommended). You can also operate as a dry restaurant while the alcohol process runs.

Contractor and trade licensing in Indianapolis

Construction work in Indianapolis typically requires licensed contractors for permit pulls and inspections. Some trades are licensed locally by the city; others (like plumbing) are licensed by the state via IPLA.

  • City contractor licensing: Start at Indy — Licenses & Permits (official). You’ll find categories like General Contractor, Electrical, HVAC, Wrecking, and Sign Contractors, plus insurance/bond requirements and renewal rules.
  • State professional licensing: Some trades require state licensing through the Indiana Professional Licensing Agency (IPLA). Check your trade here: IPLA — Licensing Home (official).
  • Pulling permits: Only properly licensed contractors can pull many building and trade permits in the city’s portal. Verify your contractor is current before work begins.

Common Mistakes to Avoid:

  • Hiring unlicensed contractors to “move fast.” If they can’t pull the permit, you’ll own the delay and the rework.
  • Missing insurance/bond requirements. The city can deny or delay a contractor license without current documents.

What to do if this doesn’t work:

  • If you can’t locate a licensed contractor, use permit records (public) to see who is actively pulling permits in your trade, or ask BNS for contractor licensing lists. You can also verify state license status on IPLA’s License Search.

Retail stores, salons, barbers, and service shops

Many storefronts don’t need a local “business license,” but they do need:

  • Proper zoning and a Certificate of Occupancy (C of O) from the city.
  • Any state professional licenses (for example, cosmetology/barbering through IPLA) and health/sanitation standards where applicable.
  • Sales tax registration (RRMC) with the Indiana DOR if selling taxable goods/services.

Professional licenses and boards:

  • Cosmetology and barbering are regulated by IPLA’s Board of Cosmetology and Barber Examiners. See rules, applications, and renewals: IPLA — Cosmetology & Barber Board (official).
  • Massage therapy, nail techs, and estheticians also fall under IPLA boards; check your specific profession at IPLA.

What to do if this doesn’t work:

  • If your location can’t meet accessibility, plumbing fixture counts, or ventilation, reconsider a different suite or a landlord‑completed build‑out. Have a local building code consultant review your plan.

Home-based businesses and the zoning rules that matter

Indianapolis allows home occupations, but there are limits (parking, signage, noise, on‑site employees, and customer visits). Always verify your plan against current zoning rules.

  • Start at the city’s permits/zoning hub: Indy — Permits & Zoning (official). Ask about “home occupation” standards for your address.
  • Home Based Vendors (HBV) — food: Indiana’s HBV law allows specific low‑risk foods with labeling. Many HBVs operate from home kitchens without a retail food permit, but you must follow state labeling and allowed food lists. See: Indiana Department of Health — Home Based Vendors.

What to do if this doesn’t work:

  • If your home location can’t support customer traffic or deliveries, consider a small flex suite, shared commercial kitchen, or co‑retail space that’s already zoned for your use.

Mobile vendors and food trucks in Indianapolis

Food trucks and mobile vendors face two layers: health permits and city rules for where you can park and vend.

  • Health permits (required): MCPHD issues mobile food unit permits. Start with forms and plan review: MCPHD — Food & Consumer Safety.
  • Fire safety: Depending on your cooking equipment, you may need hood/suppression and a Class K extinguisher. Coordinate inspections through the city permit portal and IFD Fire Prevention (linked via Indy’s site).
  • Street vending rules: The City may regulate vending zones, meters, and right‑of‑way encroachments. See Indy — Permits and the Department of Public Works for right‑of‑way use.
  • Parks events/festivals: If you plan to vend in city parks or special events, make sure you follow park/event permit rules. See: Indy Parks — Permits & Rentals (official).

What to do if this doesn’t work:

  • If you can’t secure a street spot, pair with breweries, private lots, or business districts that host food trucks. You’ll still need the health permit and permissions for the property.

Taxes and ongoing compliance you shouldn’t overlook

Even without a “business license,” Indy businesses have ongoing tax filings and renewals.

  • Sales tax filing: Once you have your RRMC, file returns in INTIME according to your assigned frequency (monthly/quarterly/annual). Read: DOR — Sales Tax Filing (official). Missing filings can lead to penalties even if no tax is due.
  • Local income tax withholding: Indiana has county Local Income Tax (LIT). Your employees’ LIT depends on the county of residence and the county of principal employment. See current rates and employer withholding guidance: DOR — Local Income Tax (LIT) (official). Withhold and remit through INTIME.
  • Business personal property tax: Most businesses must file a personal property return with the county assessor by May 15 each year. Indiana has a small business exemption threshold (based on acquisition cost in a county). See current rules at the Department of Local Government Finance: DLGF — Personal Property (official) and Marion County Assessor: Marion County Assessor (official). Confirm whether your business qualifies for exemption and if you must file.
  • Real property taxes: If you own your building, property taxes are typically due in two installments around May 10 and November 10. See the Marion County Treasurer for exact due dates and payment options: Marion County Treasurer (official).
  • Workers’ compensation: Required for most employers. Verify coverage requirements and penalties at the Workers’ Compensation Board of Indiana (official).
  • Annual business renewals: If you have a city license (contractor, body art, vehicle‑for‑hire, etc.), track renewal dates. Look up your license requirements at Indy — Licenses & Permits. If you formed an LLC or corporation, maintain good standing with the Secretary of State (biennial or annual reports, depending on entity type): INBiz — Business Maintenance (official).

Common Mistakes to Avoid:

  • Forgetting to cancel a sales tax account when you stop selling. DOR will expect filings until you close the account in INTIME.
  • Missing the May 15 personal property filing (or claiming an exemption without meeting criteria).
  • Not updating your business address with DOR and the Secretary of State — you’ll miss notices and get penalties.

What to do if this doesn’t work:

  • If you fall behind, call the agency before a deadline. DOR: 317‑232‑2240. Many issues are solvable if you reach out early.

Real-world, step‑by‑step examples (with the exact agencies to contact)

These are realistic paths Indy owners take. Use them to model your own plan.

A. Coffee shop in Fountain Square (no alcohol)

Most important first:

  • Verify zoning and get a plan review for the build‑out and kitchen equipment. Start with the city portal: Indy — Permits.

Steps:

  • Form the LLC at INBiz; get EIN at IRS.
  • Register for sales tax (RRMC) in INTIME; pay $25 RRMC fee (confirm current fee): DOR — Business Tax Registration.
  • Submit health plan review to MCPHD with menu and equipment specs: MCPHD — Food & Consumer Safety.
  • Pull building/mechanical permits for hood/suppression if needed; coordinate IFD inspections via city portal.
  • After passing final inspections, obtain C of O. Then schedule MCPHD pre‑opening health inspection.

Reality check:

  • Lead time for hoods/suppression can be weeks; get vendor and submittals in early.

What to do if this doesn’t work:

  • If your space can’t accommodate a Type I hood, pivot to a menu not requiring one (e.g., no grease‑laden vapors) or choose another location.

B. Mobile food truck serving downtown lunch

Most important first:

Steps:

  • Entity + EIN + sales tax registration.
  • Mobile plan review (commissary as required), equipment specs, water/waste plan. Schedule inspection.
  • Confirm fire safety equipment and inspection path via the city permit portal.
  • Understand where you can vend (private lots, events, zones). Check ROW rules: Indy — Permits.

What to do if this doesn’t work:

  • If street vending is limited, partner with breweries/business parks and events; maintain proper permissions and health compliance.

C. One‑chair barber studio in a small retail bay

Most important first:

  • Confirm the suite’s occupancy classification and plumbing meets code; get C of O updated if needed.

Steps:

  • Professional license through IPLA Board of Cosmetology and Barber Examiners: IPLA — Cosmetology & Barber.
  • Entity/EIN (if needed); sales tax if you sell products.
  • City permits only if you build out or add signage; otherwise, focus on occupancy compliance.

What to do if this doesn’t work:

  • If plumbing or accessibility upgrades are too costly, look for a salon suite that already complies.

D. Small general contractor starting in Indy

Most important first:

  • Get the right city contractor license category so you can pull permits.

Steps:

  • Check Indy BNS contractor licensing requirements (insurance/bond, exams if applicable): Indy — Licenses & Permits.
  • Confirm state licensing if your trade requires it (e.g., plumbing via IPLA): IPLA.
  • Register your entity/EIN and state tax accounts. You may need withholding if you have employees.

What to do if this doesn’t work:

  • If you’re missing credentials for a category, partner with a licensed prime contractor while you build the required experience.

Common Indianapolis licenses and who needs them

This table points you to the official page. Fees fluctuate; always confirm the current amount.

License/permit Who needs it Where to apply Notes
Food establishment (fixed/mobile/temporary) Restaurants, caterers, food trucks, markets MCPHD — Food & Consumer Safety Plan review required for new/remodeled; inspections required
Contractor/trade license General, electrical, HVAC, sign, wrecking contractors Indy — Licenses & Permits Needed to pull permits
Body art (tattoo/piercing) Tattoo and piercing establishments MCPHD — Food & Consumer Safety Health standards; inspections
Alcohol permits On‑premise, carryout, caterer alcohol sales Indiana ATC — Permits Local board hearings apply
Peddler/Transient merchant Door‑to‑door or itinerant sales Indy — Licenses & Permits Background and location rules apply
Sign permit Any new exterior sign Indy — Permits Design rules; inspections
Right‑of‑Way permit Sidewalk café, dumpster in ROW, street use Indy — Permits Coordinate with DPW

What to do if this doesn’t work:

  • If you can’t find your category, call the Mayor’s Action Center at 317‑327‑4622 and ask for BNS licensing. They’ll route you to the right team.

Timelines: what to expect (not promises—just reality)

Step Lean timeline (best case) Typical timeline Why it slips
Entity filing (LLC/Corp) Same day (online) 1–3 business days Errors in articles; name conflicts
EIN (IRS online) Immediate Same day IRS site downtime
Sales tax registration (RRMC) Same day 1–2 business days Identity verification flags
Zoning confirmation 1–3 days 1–2 weeks Complex use/variance needed
Plan review (food/building) 1–2 weeks 2–6+ weeks Seasonal volume; resubmittals
Building permits 3–10 days 2–4+ weeks Incomplete plans; revisions
Inspections + C of O 3–7 days 1–3 weeks Failed inspections; scheduling
Alcohol permit 2–3 months 4–9+ months Quotas; board calendars

What to do if this doesn’t work:

  • Build a buffer of 25–50% on any timeline tied to construction or public hearings. Schedule pre‑submittal or pre‑inspection calls to reduce rework.

Cost snapshots (use these to budget; verify fees before paying)

Important: Fees change. Where we can cite amounts, we link to them. For city/health permits that vary by size/risk, budget a range and confirm with the agency.

Scenario Known fixed fees Variable fees to confirm
Retail boutique selling goods RRMC one‑time: $25 (DOR); LLC filing (see INBiz current fee) Sign permit; build‑out permits; C of O if changed
Coffee shop (no alcohol) RRMC: $25; LLC filing (see INBiz) MCPHD plan review + permit; hood/suppression if needed; city permits; inspections
Food truck RRMC: $25 MCPHD mobile permit; fire safety compliance; ROW/event fees
Barber studio Professional license (IPLA schedule); RRMC if selling products Build‑out permits; sign permit; C of O updates
Restaurant with beer/wine RRMC: $25 MCPHD; city permits; ATC alcohol application/fees; local hearings

What to do if this doesn’t work:

  • If cash is tight, phase your opening: operate retail/coffee without alcohol first, or open as a pop‑up while permitting runs (with landlord and code compliance).

Inclusivity, diversity, and accessibility resources (local and state)

If you are women‑owned, minority‑owned, veteran‑owned, disability‑owned, LGBTQ+‑owned, or an immigrant‑owned business, you may benefit from certifications and targeted resources.

  • State of Indiana M/WBE certification: The Indiana Department of Administration (IDOA) certifies Minority‑, Women‑, and Veteran‑owned businesses for state contracting opportunities. Info and eligibility: IDOA — Division of Supplier Diversity (MWBE/IVOSB) (official). Phone listed on site.
  • City of Indianapolis OMWBD: The Office of Minority & Women Business Development certifies for city/county projects and maintains a directory. See: Indy — OMWBD (official).
  • Veteran‑owned: Federal certification for set‑asides is now handled by SBA’s Veteran Small Business Certification (VetCert). See: SBA — Veteran Small Business Certification (VetCert) (official).
  • Disability‑owned: National certification via Disability:IN (DOBE). Learn more: Disability:IN — Supplier Diversity (well‑established nonprofit).
  • LGBTQ+‑owned: NGLCC issues LGBTBE certification recognized by many corporations. Info: NGLCC — Certification (well‑established nonprofit).
  • Immigrant‑owned and language access: The City of Indianapolis and Marion County agencies can arrange interpretation on request. Start at agency pages above. For community navigation, see the Immigrant Welcome Center — Indianapolis (well‑established nonprofit partner).

Accessibility tips:

  • Ask for ADA requirements early in design; retrofit costs grow later.
  • If English isn’t your first language, request translation/interpretation when scheduling meetings with BNS, DOR, or MCPHD.

What to do if this doesn’t work:

  • If you hit a certification or documentation roadblock, reach out to Indy OMWBD for guidance or schedule free counseling via SBA Indiana.

Common mistakes to avoid (from real Indy cases)

  • Skipping a zoning/use check before signing a lease.
  • Underestimating health/fire plan review time — and ordering equipment that won’t pass.
  • Hiring unlicensed contractors who can’t pull permits.
  • Forgetting the May 15 business personal property filing (or assuming you’re exempt without verifying with DLGF rules).
  • Not registering for sales tax because “I’m small.” If you sell taxable items in Indiana, you need the RRMC and must file, even at low volume.
  • Waiting to get a Certificate of Occupancy until after opening. You need it before you open to the public.

What to do if this doesn’t work:

  • If you’ve already made a misstep, pause work and call the agency to map a correction plan. Voluntary disclosure and quick fixes usually cost less than citations and rework.

Frequently asked questions (Indianapolis / Indiana‑specific)

  • Do I need a general business license to operate in Indianapolis?
    • No. There is no universal city or state business license. You register your entity and taxes at the state level and then add only the licenses/permits that apply (zoning/occupancy, food, trades, alcohol, etc.). Sources: INBiz — Start a Business and Indy — Licenses & Permits.
  • How much is the Indiana sales tax license (RRMC), and what’s the sales tax rate?
  • Where do I get a Certificate of Occupancy?
    • Through the City of Indianapolis after permits and inspections are complete. Start at Indy — Permits (PermitHub). For questions, use the Mayor’s Action Center at 317‑327‑4622.
  • Who licenses restaurants and food trucks?
    • The Marion County Public Health Department (MCPHD) handles food permits and inspections. Start here: MCPHD — Food & Consumer Safety. Main line: 317‑221‑2000.
  • How long do alcohol permits take in Marion County?
    • Plan on several months due to local board hearings and ATC processing, especially for quota‑limited permits. See timelines and permit types: ATC — Alcohol Permits.
  • I’m a sole proprietor using a business name. Do I need a DBA?
    • Yes, file a Certificate of Assumed Business Name (DBA). Sole proprietors/general partnerships file with the Marion County Recorder; entities file via the Secretary of State. See: INBiz — Assumed Name.
  • When are Indiana business personal property returns due?
  • Do home‑based food businesses need a health permit?
  • Are there local income taxes in Indianapolis?
    • Indiana counties have Local Income Tax (LIT). Employers must withhold based on employee residence and work county. See current rates: DOR — Local Income Tax.
  • Who can help me one‑on‑one for free?

Documents checklist by business type

Use this to prep your applications.

Business type Must‑have documents
Any business Entity paperwork (INBiz approval), EIN letter, lease or property control, photo ID
Retail/Service RRMC confirmation, zoning/occupancy proof, sign drawings (if any)
Restaurant/Food truck MCPHD plan review app, menu, equipment specs, floor plan, CFPM certificate, commissary agreement (if applicable), fire suppression docs
Contractor/Trade City contractor license, proof of insurance/bond, state license (if applicable), permit agent authorization
Alcohol seller Lease/site plan, proof of entity, floor plan, menu/concept, server permit plan, local board hearing notices

What to do if this doesn’t work:

  • If a document is delayed (like insurance certificates), submit others and ask the agency if they’ll open a file pending the missing item.

Where to get answers fast (verified contacts and portals)

Topic Primary link Alternate/phone
Form/maintain business INBiz — Start/Manage INBiz Helpdesk: 317‑234‑9768 (listed on site)
State taxes (sales/withholding) INTIME DOR: 317‑232‑2240; Toll‑free: 800‑382‑9486; DOR Contact
Zoning/Permits/Occupancy Indy — Permits Mayor’s Action Center: 317‑327‑4622
Health permits (food) MCPHD — Food & Consumer Safety MCPHD: 317‑221‑2000
Alcohol permits ATC — Alcohol Permits ATC Contact on site
Professional licenses IPLA Contact details per board on site
Employer UI DWD — Employers Employer assistance contact on site
Property tax Marion County Treasurer Online payments and phone listed on site

“What happens if I…” scenarios (so you can plan B/C now)

  • If zoning says my use isn’t allowed at the address
    • You can apply for a variance (public process) or choose a location with by‑right zoning. Variances add time and cost and are not guaranteed. Source: Indy — Board of Zoning Appeals.
  • If I already started building without permits
    • Stop work and apply for after‑the‑fact permits. Be honest about what’s done. Expect inspections and potential corrections. Start: Indy — Permits.
  • If I can’t open by my announced date
    • Tell customers early, and communicate new dates tied to inspections. Push vendors/contractors to complete close‑outs and schedule inspections as soon as you’re ready.
  • If I need cash to cover surprise upgrades
    • Talk to your lender about a small extension, or consider local microloans (Indy Chamber’s BOI) and SBA microloans. See: SBA — Loans (official). Confirm local programs with Indy Chamber (well‑established).

Quick compliance reminders with firm dates and numbers

Step‑by‑step: How to apply (with links, by permit type)

A. Registered Retail Merchant Certificate (sales tax)

What to do if this doesn’t work:

  • If the app flags identity verification, call DOR at 317‑232‑2240 and be ready to verify ownership info and your FEIN.

B. City zoning/permits/Certificate of Occupancy

  • Create an account in the city’s permit portal: Indy — Permits.
  • Submit your application(s): building, electrical, mechanical, plumbing, and sign permits as needed. Include plans.
  • Schedule inspections and obtain your C of O.

What to do if this doesn’t work:

  • Ask for a pre‑submittal meeting with BNS. It reduces review cycles and helps catch code issues early.

C. MCPHD food permit (fixed location)

  • Complete plan review with menu and equipment.
  • Wait for approval, complete build‑out, then schedule pre‑opening inspection.
  • Pay permit fee and receive your permit. Source: MCPHD — Food & Consumer Safety.

What to do if this doesn’t work:

  • If plan review is delayed, call MCPHD at 317‑221‑2000 to check status and whether anything is missing.

D. Alcohol permit

  • Determine the right permit class on the ATC site.
  • File application, attend local board hearing, complete ATC requirements.
  • Plan for months. Source: ATC — Alcohol Permits.

What to do if this doesn’t work:

  • If a quota permit isn’t available, consult counsel about alternatives (beer/wine only, transfer/purchase of existing permit, or phased opening).

Long‑tail searches this guide covers

  • how to get a business license in Indianapolis, Indiana (step by step)
  • Indianapolis certificate of occupancy process for small retail
  • Marion County food truck license requirements and inspections
  • Indiana sales tax registration RRMC cost and filing deadlines
  • Indianapolis contractor license and city permit rules

What to bring to in‑person counters (if you go)

  • Government ID for owners/managers.
  • Entity formation approval (INBiz), EIN letter, lease.
  • Plans, drawings, equipment cut sheets (for plan review/permits).
  • Certificates of insurance and bonds (for contractor licensing).
  • Payment method accepted by the agency (check/credit per agency rules).

What to do if this doesn’t work:

  • Ask the office if scanned PDFs are acceptable via the portal; most processes are online now, which can be faster.

About taxes you collect and display

  • Sales tax: You collect 7% on taxable sales; display your RRMC if requested. Source: DOR — Sales Tax.
  • Food and beverage taxes: Indianapolis/Marion County has additional food and beverage taxes applicable in certain contexts (restaurant meals, etc.). Confirm applicability and rates with DOR and local ordinances before pricing. See: DOR — County Innkeeper’s and Food & Beverage Tax (official).

What to do if this doesn’t work:

  • If you aren’t sure whether your product/service is taxable, request a written determination from DOR or consult a CPA.

If you sell online from Indianapolis

  • You still need the RRMC if you sell taxable goods from Indiana. Source: DOR — Sales Tax.
  • Marketplace facilitator rules may apply (e.g., Etsy/Amazon collect on your behalf). Confirm your filing duties with DOR and your platform.
  • Home Based Vendors selling approved foods must follow labeling rules even if selling online in Indiana. Source: IDOH — HBV.

What to do if this doesn’t work:

  • If you receive conflicting platform vs. DOR guidance, follow DOR’s official rules and keep documentation.

About This Guide

  • Purpose: A practical, sourced guide for getting legal to do business in Indianapolis/Marion County with accurate links and realistic timelines.
  • Sources and dates: We rely on official agency pages and list them next to each claim. Key sources include INBiz (Indiana Secretary of State), Indiana Department of Revenue (INTIME), City of Indianapolis/Marion County (BNS/PermitHub), Marion County Public Health Department, Indiana ATC, IPLA, DWD, WCB, DLGF, and the Marion County Treasurer.
  • Currency: Policies and fees change. This guide was last updated in September 2025 using publicly available official sources current through 2024–2025 where noted. Always verify time‑sensitive details like fees and deadlines on the linked sites.

Disclaimer

This guide is for general information. Program details, fees, and timelines can change without notice. Always confirm requirements, amounts, and deadlines directly with the relevant agency using the official links and contacts provided above. If you have legal or tax questions, consult a licensed attorney or CPA.