Keep on the business enterprise of the second-hand dealer on equivalent premises.

Keep on the business enterprise of the second-hand dealer on equivalent premises.

A small business offering brief term, short term loans which can be generally speaking paid back by post-dated cheque or pre-authorized debit re payment need a small business licence being a payday lender.

Types of companies that do need licensing that is municipal

  • Payday loan companies
  • Cash loan providers
  • Wage advance
  • Payday advances
  • Short term installment loans
  • Little dollar loans
  • Pawnbrokers
  • Attempting to sell utilized items

Types of companies that don’t require licensing that is municipal

  • Banking Institutions
  • Cheque cashing businesses
  • Credit unions
  • Finance institutions
  • Lending organizations

If the company will not require a licence, you nevertheless demand a continuing Business ID and land usage approval. See companies perhaps not needing a municipal licence? to learn more.

Regulations

Payday loan providers

Payday loan providers are considered an online payday loan use in the event that development of cash will not go beyond $1,500 and it is for a phrase of 62 times or less. Payday loan providers are allowed to work as a home-based or commercial company. For any commercial companies, there should be 400 metres from any proposed payday loan provider to a payday lender that is existing.

Extra licence demands for payday loan providers

Payday loan provider organizations must show an indicator regarding cash administration help and financial obligation counselling, noticeable during the premises entryway.

Payday loan providers must adhere to the Provincial Fair Trading Act.

Pawnbrokers

In the event the company provides pawnbroker solutions, it should be positioned at the least 400 metres from any existing pawnbroker. It should also meet up with the after guidelines of a pawnbroker licence.

A pawnbroker should never:

  • Keep on the company of a second-hand dealer on the exact same premises.
  • Aquire individual property through any supply aside from as a protection for pledge or pawn to resale later.
  • Aquire individual property for a pledge or pawn at a place apart from the pawnbroker’s premises.

Consider carefully your approvals that are required

When you make an application for your company licence, outstanding approvals must certanly be finished prior to the company licence is granted.

A small business licence routinely have numerous licence kinds connected with it. Below is just a chart of all associated licence types that are categorized as this continuing company task. In the event your company requires licence that is multiple, approval procedures are merely created once per licence. As an example, only 1 fire assessment is needed just because numerous licence kinds require that examination.

Needed approvals

Licence Type Land use Police Fire wellness Provincial AMVIC ID card
car Dealer – Premises needed forced Required Not required not necessary needed not essential
Payday Lender forced Required Required Not required needed not essential not necessary
Pawnbroker Required Required Required Not required Not required not necessary not necessary
Retail Dealer – Premises needed Not required needed not essential not essential not necessary not necessary
Secondhand Dealer Required Required Required not necessary not essential not necessary not necessary

?Land use approval?

All organizations in Calgary require land usage approval. Each area in a building features its own specified, approved use that cannot be changed lacking any approval, allow or both.

To see the uses that are allowable a land usage district, make reference to the Land utilize Bylaw. To look for the land usage district of home, see myProperty.

It is possible to relate to Commercial, mulit-residential and industrial to learn more, or contact our Planning Services Centre at 403-268-5311 to analyze land usage approval for the company. ??

Calgary Police Services approval

This licence kind calls for suggestion by the Calgary Police provider through the authorities Suggestions Checks unit. Approval is finished because of the Calgary Police provider and it is initiated for you using your company licence application. Please be aware that past authorities checks may not be utilized as an alternative with this approval procedure.

You need to offer two items of valid, government issued recognition, certainly one of which must decisive hyperlink include picture recognition (ID).

It is possible to show your ID:

  • Face-to-face in the preparing Services Centre: third flooring 800 Macleod Trail INTERNET SEARCH ENGINE Calgary, AB
  • By e-mail: licencedivisionteam@calgary.ca
  • By fax: 403-537-3034

Please reference your Business ID (BID) into the e-mail or fax.

Take note: for licenses needing a statutory declaration or A city-issued id card, evidence of recognition needs to be shown in individual.

This approval generally takes about fourteen days.

Appropriate types of government issued identification that is photo:

  • Driver’s permit
  • Passport
  • Alberta picture recognition card (given through registry offices)
  • Firearms permit
  • Nexus card
  • Permanent card that is resident
  • Protected certification of Indian Status card (federally granted)
  • Aviation document booklet
  • Certified refugee protection claimant document

(For youth between your many years of 12 to fifteen years old whom cannot offer some of the detailed photo recognition choices, a student photo ID will likely to be considered).

Appropriate kinds of federal government issued recognition consist of:

  • Provincial medical care card
  • Delivery certification
  • Wedding certification
  • Immigration paperwork (includes valid document given by Immigration and citizenship Canada)
  • Citizenship card
  • Citizenship certification

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Fire Prevention Bureau approval

Many companies that run from commercial premises need an assessment through the Fire Prevention Bureau ahead of the licence could be granted. Nevertheless, if a company licence is for starters, or any combination, of this fire-risk that is low kinds, it could be granted if perhaps the Fire approval is outstanding. Minimal fire-risk organizations will demand to obtain the fire examination within 1 month of these licence being released.

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