Start a Business in San Jose, CA: When it comes to starting a business, entrepreneurs must look for the place with the most potential. Whether a corporation, sole proprietorship, partnership, or LLC, having a business in San Jose, CA, is a plus for any entrepreneur. In general, setting up any form of business in California, US, is the initial step to building an international brand.
Entrepreneurs across the globe are interested in starting and expanding their businesses in San Jose, CA. With an urban population of 1797166 (estimate), the city has a lot to offer to all emerging entrepreneurs. The main reason for this is the economic environment and flexibility of the business structure in California. Like most places in the US, San Jose, CA also offers business structures for all types of entrepreneurs; no matter what business you want to do, there’s a perfect solution for you. If you want to start limited liability company (LLC) or a corporation, or a sole proprietorship, San Jose, CA has a proper business environment for all.
In this article, you will read about how to start a business in San Jose and why you should choose San Jose to start and run your business. We recommend you check below the important facts about San Jose, CA; these might help you.
On this page, you’ll learn about the following:
- San Jose, CA Household Income Statistics
- San Jose, CA Education & Labor force Facts
- San Jose, CA Demographics
- How to Start a Business in San Jose, CA
- Other Things to do After Starting Your Business
- Important San Jose Stats for Starting a Business
- Reasons to Start a Business in San Jose
- FAQ About San Jose, CA
San Jose, CA Household Income Statistics
|San Jose Median household income||117324 USD|
|San Jose households with dual income earners||61.9 %|
|San Jose households $150K+ Income||38.6 %|
|San Jose households $100K+ Income||57 %|
|San Jose households $100-150K Income||18.4 %|
|San Jose households $75-100K+ Income||10.3 %|
|San Jose households $50-75K+ Income||11.2 %|
|San Jose households $35-50K+ Income||6.9 %|
|San Jose households $25-35K+ Income||4.4 %|
San Jose, CA Education & Labor force Facts
|San Jose residents with a bachelor’s degree (or equivalent)||26.1 %|
|San Jose residents with at least a 4-year degree||44.8 %|
|San Jose residents with a graduate degree||18.7 %|
|San Jose residents with a high school diploma but no more||16.5 %|
|San Jose residents with less than high school education||15 %|
|San Jose residents with some college but no more||23.7 %|
|San Jose residents with a Bachelor’s degree or higher (STEM fields)||60.9 %|
|San Jose households that own (rather than rent) their residence||56.6 %|
|San Jose residents 16 and older in the labor force||68.4 %|
|San Jose residents unemployed||4.6 %|
San Jose, CA Demographics
|San Jose residents aged 0-9||12 %|
|San Jose residents aged 10-19||12.2 %|
|San Jose residents aged 20-29||14.5 %|
|San Jose residents aged 30-39||15.6 %|
|San Jose residents aged 40-49||14.2 %|
|San Jose residents aged 50-59||13.1 %|
|San Jose residents aged 60-69||9.9 %|
|San Jose residents aged 70-79||5.3 %|
|San Jose residents aged over 80||3.2 %|
|The average size of resident families in San Jose, CA||3.59|
|Estimated population per square kilometer in San Jose, CA||2229|
|San Jose, CA urban population (estimate)||1797166|
|San Jose, CA municipal population (estimate)||1029409|
Now that you know what makes San Jose of California good for business, let’s get started with the exact steps on how to start a business in San Jose.
How to Start a Business in San Jose, CA
Starting a business in San Jose, CA, needs planning, financial decisions, legal procedures, and a handful of other things. Be it a corporation, sole proprietorship, partnership, or LLC in California, you must go through the following steps. These steps are general steps. They are subject to change depending on the structure of your business.Generally, starting a Limited Liability Company is easy to form. Read our guide on how to start an LLC before you start your own business. Here are the steps to set up your business in San Jose.
Step 0: Decide on What Business to Start
This is the first thing you work on, the type of business you want to start in San Jose. Depending on that, you need to make your business plan. Apart from the legal documentation and process, you must include the following points in your business plan,
- Through market research on demand trend
- Complete Budget plan – funding your business. If you’re planning to start an LLC, then take a look at the cost of LLC
- What competitors are doing
- SWOT Analysis – check what your Strengths, Weaknesses, Opportunities, and Threats are
- Your targeted buyers
Once you have the entire plan with you, you can continue working on the legal structure of your business. LLCBuddy will guide you through the legal process of forming an LLC for your business. It’s very likely that you have already done this step 0, so that we won’t go deep into this step, let’s move to step 1.
Step 1: Choose Your Business Structure
The very first step after you decide on what type of business you want to start is to choose what type of business structure you want to form. You can form an LLC, a sole proprietorship, a corporation, or a partnership. Each type of structure has different rules and regulations. For example, if you want to start a California LLC, there are different types of tax and fee structures. An LLC formation is similar to forming a sole proprietorship. On the other hand, forming a corporation is much more complicated. The tax and fee structure is completely different in corporation formation.
Step 2: Name Your Business
The next step in forming a business is to give it an appropriate name. Having a business name is not so easy task. You cannot pick a random name for your company. One has to follow proper naming guidelines before they name their company. Besides, before you settle a name, you must check if the name you are looking for is available to use. You can visit the official government site of California to do the California LLC name search before you pick the available name. Below are some of the naming rules you need to follow,
- You cannot name your business that has words or phrases like Bank, University, Government, or anything that can confuse people with a government sector.
- If you are forming an LLC in California, then you must include words like “LLC,” “LC,” “LLC,” “Liability Company,” and “L.L.C.” If it is an LLP, then you must include “LLP” in your business name.
- The name should reflect the nature of your business. Any name that can confuse people should not be picked.
- You can check if the name of your company is available. Through the business name search process, you can search if the desired name is available for use or not.
- You can reserve your business name for a certain time before you form your business in San Jose, CA by filing a name reservation application.
The above-mentioned points are basic naming rules that all businesses have to follow while naming their company. As mentioned above, these rules are subjected to change depending on the structure of the business.
Step 3: Get a Registered Agent
A Registered Agent is a person who receives all types of legal and official documents on behalf of the business. Whether a suit against your company or formation-related documents from the state, a California LLC Registered Agent is responsible for receiving these documents at his/her official address. In general, anyone who has the right to conduct business in San Jose can be a registered agent. However, there are some requirements to becoming a registered agent.
- The person has to be 18+ years of age.
- Must be a citizen of the California
- Must have a physical street address in the California
- Must have legal rights to conduct business in the California
Anyone who fulfills the requirements can be a registered agent. Also, anyone from the company, your spouse, any relative, or yourself can be a registered agent. But, it is recommended that you hire a professional registered agent to look after your documentation. You can choose from the best LLC services that also offer registered agent for LLCs.
Step 4: Register Your Business
The next step is to register your business under the Secretary of State, California. The Articles of Organization (or certificate of incorporation) of your company should be submitted online, by mail, in person, or by fax to the California SOS. You need to pay the state filing fee either by Credit Card or by check to the SOS while registering your business in the San Jose, CA. Your California LLC articles of organization should have the following details about your business
- Company/Business name, address
- Registered Agent Name, address
- Member-managed or manager-managed (in case of LLC)
- Type of business
Depending on the type of business structure, you may have to add some more information to the formation document.
Step 5: Write the Operating Agreement
An operating agreement is a document that has all the structural information of your business. In most states, it is not mandatory to create an operating agreement. However, it is highly recommended to have one as an internal document. This document records information such as,
- About Business
- Members and management
- Capital contribution
- Profit Distribution
- Change of membership
In future, if any member wants to leave the company or you want to dissolve the business, then the California operating agreement has everything recorded, from clauses to contributions.
Step 6: Obtain EIN
EIN or Employer Identification Number is required to file taxes, open a business bank account, and if your business has employees. EIN can be obtained from IRS. It is a 9-digit number similar to Social Security Number. However, EIN is different from SSN. It is solely used for business purposes, especially for general tax filing. You have to fill out the form and submit it to the IRS website. It does not cost you anything to obtain EIN.
Step 7: Get Business Bank Accounts
Once you obtain the EIN for your business, you are free to open a business account in the US. Having a US business bank account can ease your business transactions in San Jose, CA. It increases your business credibility and liquidity. It will also be helpful for business loans.
Step 8: Create Your Business Website
Business websites are as important as your business structure. It is necessary to have a catchy business website with all the information regarding your company. Along with the website, you need some more things. Things such as logos, business cards, business emails, domain names, and social media accounts are needed to promote your business. You can hire a professional business service to get all of these services under one roof.
Other Things to do After Starting Your Business
- Once your company is set in the San Jose, California, you need to file your taxes and apply for licenses (if needed).
- Apart from the license and permits, you need to get insurance for your business. Such as General Liability Insurance, Professional Liability Insurance, and Workers’ Compensation Insurance are some of the insurances you need to get if you are about to start an LLC.
Important San Jose Stats for Starting a Business
Before you start a business in San Jose, it is required that you know some facts about the city. Following are some of the stats to consider before starting a business.
Education & Employment
San Jose has a diverse population that comes from various educational backgrounds. There are students who haven’t finished their high-school education, whereas there are people who are more than just college graduates. Check the table (Education & Labor Force) for detailed data. From the data, it is clear that the city has enough educated and skilled people who can contribute to the labor force.
As we talk about the urban population density, the young population percentage in the city is approximately 14.5 (people in their 20s) and 15.6 (people in their 30s). This means that having any business that is new and tech-based might be profitable. The median age of the population in the city is 37.1. On the contrary, if anyone wants to start a business that is related to any old-age service, such as caregiver, primary old-age support, or something of a similar sort, then San Jose has approximately 3.2 (people in their 80s and above) percent of old people. Check out the table (Demography) above for more information.
Another important factor to mention about San Jose is the home value of owned properties. The average value of owned houses is 924059. Also, the percentage of people living in their own houses is 56.6. This reflects the real estate market of the city. For a metropolitan city, this is a considerable number.
It is inevitable that living in a big city is different from living in a town or a comparatively smaller city. It directly affects lifestyle and health. It is obvious that having health insurance is important, no matter which city or region you are residing in. But there are people in San Jose who still do not have health insurance. The rate of people not having health insurance is 5.1. This depicts the lifestyle and overall health demography of San Jose. As you plan to start your business in this city, you must consider this stat as well.
Income & Lifestyle
The income pattern of the people in this city is given in the table (Income) above. In San Jose, a part of the population has a dual family income that reflects a better standard of living. As in, people have more than one source of income. The table above shows the income percentage of various slabs.
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Reasons to Start a Business in San Jose
San Jose offers a bunch of business-friendly services for entrepreneurs. A proper business environment, skilled labor, tax advances, deductions, and much more are awaiting if you are interested in starting your business in San Jose. Here are some of the reasons,
Stable Economic Growth
San Jose or any other city in California has stable economic growth and an environment that helps any business to grow successfully. The economic structure of California shows not only balanced but also a sustainable condition of economic growth, which in turn triggers the businesses to flourish in the state.
Minimize Personal Liabilities of the Entrepreneur
If you’re considering starting an LLC in San Jose, then it will be your best choice. An LLC protects your personal assets and minimizes your personal liabilities. This is one of the many reasons why having an LLC in San Jose is a wise choice. Also, if you are opting for an LLC, the tax deductions will be more than having a corporation.
Federal and State Tax Relaxation
There is a series of federal taxes that an entrepreneur has to pay when operating a business in the US. Depending on the state your company is located in, the state taxes are being imposed. For an LLC, both of these taxes are much lower compared to other business structures. Along with tax impositions, some tax deductions (state-wise) lower the filing fees and other government charges. Check out the California LLC tax structure to know more about the tax structures for LLCs in the state.
Government Incentives for Entrepreneurs
Federal and state governments in the US ensure that entrepreneurs get a proper business environment in the state or city they are operating their business. The government provides a few incentives to the business holders in California or any other state. That means if you are operating any business in San Jose, then California State will provide an incentive for creating jobs, contributing to the state’s GDP, and/or balancing the state’s tax structure.
Low Corporate and Other Business Taxes
Corporations and other business structures (except for an LLC) are liable to pay a corporate tax in California. Also, there is a Sales Tax that all businesses, including LLCs, have to pay. However, the rate of taxes is very low. Besides, as the businesses receive incentives, the tax burden gets lower.
Skilled Labour & Quality Manpower
In San Jose, it is easy to hire employees for your business. They are not only skilled but also well-educated to help your business grow. As mentioned above, the 68.4 is the percentage of labour participation. Hence, it is clear that having a business in San Jose will make a lot of difference to the existing labor force.
Demand for New Market and Industry
In San Jose, California, there is an uprising demand for new industries and new markets. Entrepreneurs who are willing to start a business in any of the cities of any state are given enough opportunities to stay in business. Business licensing, tax deductions, incentives, and relaxation of business taxes are some of the benefits that encourage start-ups and budding entrepreneurs to start their own businesses in San Jose.
If we follow the US Data, the median value of commute time for the residents to their work is approximately 30.8. If you are starting a business here, you must keep in mind that commutation can be a point to consider.
Intellectual Property Protection
The US government receives roughly more than 1 million applications for IPR every year. The federal government makes sure that there is no infringement of any patent or property rights. It does not matter which city in which state you are running your business. The rule of Intellectual Property Protection is the same for all. If you have a foreign business in the US, then you might get more benefits under the IPR act.
San Jose (aka ) is ranked at 1 in terms of importance. Apart from the above mentioned reasons, there are some other benefits that businesses enjoy in San Jose. For example, technological advancement, a stable political environment, renewable resources, sustainable non-renewable resources, and some more benefits make things easier for entrepreneurs to start and run their businesses. According to US Data, the percentage of young people in San Jose is 15.6. Hence, it would be great to start a business that is related to tech here as you might get a good number of clients.
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Best Time To Start Business In San Jose California
Whether you are considering a small or large business venture, San Jose California is an ideal location for starting a business. San Jose is a part of Silicon Valley, which is home to several of the country’s largest corporations, including Adobe, PayPal, and Intel. If you are considering starting a business here, there are a few things you should know.
The San Jose economy is thriving. The city is known for its economic growth and stable political environment. The city is home to many skilled and educated workers. Starting a business here is simple and easy, which makes it a great place to begin.
You can start a business in San Jose California by registering your company with the California Secretary of State. You will need to register your business name and pay taxes on your business. You can also hire a registered agent. If you hire a registered agent, you can rest assured that your business will be represented by a professional. You may also want to set up social media accounts to advertise your business.
Another reason why San Jose is a great place to start a business is that the cost of living is relatively low. This is important to small business owners as it makes it easier to hire employees and stay competitive. There are also many tax breaks available in San Jose. For example, you can deduct business insurance, home office expenses, and work-related travel expenses.
A good thing about living in San Jose is that it is not too hot and not too cold. In fact, the weather is mild enough for most businesses to survive. If you want to start a business that deals with old-age services, San Jose is a great place to do it.
San Jose is also a great place to start a business because of its low sales tax. If you want to sell products, you will have to price them correctly and advertise them. However, you will also need to find a market for your products. In order to do this, you will need to find the right people to work for you. You can also consider starting your own home bakery or food truck.
If you want to start a business in San Jose, you need to be prepared to make financial and legal decisions. However, it is not as difficult as some people might think. If you are thinking of starting a business in San Jose, you can expect to spend less than a hundred dollars to get started. The cost of starting a business in San Jose will vary depending on your business structure and the type of business you are pursuing.
When starting a business in San Jose, California, you will need to get business licenses and insurance. You will also need to file taxes, and hire employees. There are plenty of incentives available in San Jose to help your business grow. For example, you may be able to take advantage of the business tax break and receive incentives for creating jobs.
FAQ About San Jose, CA
Over a thousand small enterprises may be found in San Jose, CA, which has a population of over a million people. A food truck company is among the most well-liked small enterprises in San Jose, CA. There are also modest garage sales and home-based bakeries.
You may act as your own registered agent for an LLC in San Jose, CA. You must be older than 18 and have the legal authority to do business in San Jose, CA in order to register as a registered agent there.
LLCs do not have to pay income tax on their company profits in San Jose, CA. Individuals are required to pay income tax based on their own income instead. On the other side, every San Jose, CA LLC is required to pay Sales Tax, Franchise Tax, and Employment Tax as needed.
San Jose, CA’s real estate market is dynamic; if shock affects the industry, house values may decline. However, San Jose, CA, is seeing a boom in the real estate market. So, it is difficult to predict whether or not the price of homes would decrease.
Pass-through taxation is the largest benefit of establishing an LLC in San Jose, CA. LLCs are exempt from paying business income tax. On their income, members pay personal income tax. The members won’t owe any income tax if the LLC doesn’t generate any revenue.
If you own a small business in San Jose, CA, you may be considering if you should insure your enterprise. Yes, is the response. A sort of commercial insurance called small business insurance covers a range of commercial hazards. Property loss, legal trouble, and disruption of business are some of these hazards.
Due to its vibrant culture, populace, and artistic scene, San Jose, CA has become very popular. San Jose’s rich culture, population, and educational system draw visitors despite the fact that it is a corporate hub.
A business license is not required for sole proprietor in San Jose, CA. However, there are some exceptions. If a business is a corporation, LLC, or partnership, a license is required. You have to check with the local authorities before applying for a license.
San Jose, CA is most recognized for its booming economy. This will be a terrific choice for you if you like doing business and are eager to launch your own company in this city. You may simply establish your own company in San Jose, CA.
You shouldn’t relocate to San Jose, CA unless it is for business purposes exclusively. If San Jose does not provide the greatest atmosphere for your company, you shouldn’t relocate there. You shouldn’t relocate if San Jose can’t help you sell your company to a buyer.
To apply for an EIN number, visit the IRS website. A business name, a business address, and a signature are required to complete the form. The EIN number will be sent to the address you provided. Visit the IRS website to get an EIN number in San Jose, CA.
In San Jose, CA, you may set up a shop where customers can purchase rather unique clothing and footwear. You may advertise your ability to offer one-of-a-kind apparel and footwear created by independent designers. The shop may also have a small café.
In San Jose, CA, every LLC needs to hire a registered agent. It can be a professional or someone from the LLC or family. This person is responsible for receiving all the documents in their office in San Jose on behalf of the LLC.
Any enterprise that requires a lower initial investment is the most straightforward in San Jose, CA. Thought must also be given to whether or not the company will be in demand in addition to the expense. A excellent alternative can be a food truck, a dog walker, a personal trainer, or a home baker.
What does it cost to get a tax identification number, while they are required for several purposes? Obtaining a tax ID number in San Jose, CA is free. On the IRS website, you may get a tax ID number without cost.
San Jose, CA is regarded as a welcoming location for LLCs. The many benefits that are accessible to businesses are the cause. Additionally, San Jose, CA offers business financing and tax benefits to entrepreneurs.
In San Jose, CA, an LLC may deduct certain taxes. Business insurance, home office expenses, work-related travel expenses, bank fees, and any type of business interest are some of the examples of tax deductions in San Jose, CA.
It’s difficult to start a company in San Jose, CA. There are several requirements to meet, and the price might change based on the kind of company you choose. For instance, it may cost $70 to form an LLC for your company in San Jose, CA.
In San Jose, CA, a registered agent is required for your LLC. A registered agent is a person who accepts all official correspondence on your LLC’s behalf. As a result, having a registered agent is required.
San Jose, CA is a great place to start a business. The cost of living is low, and San Jose is growing rapidly. San Jose is a hub for entrepreneurs and is a great place to find a team to start a business. In San Jose, the cost of starting a business is reasonable.
Obtaining an LLC in San Jose, CA is not as costly as many people believe. A San Jose LLC registration costs as low as $70 if you already have a name. Using a DBA or other fictitious name, you may also form an LLC in San Jose.
A company must be registered in San Jose, CA, within a few days. The procedure is straightforward, and the city provides a useful website with all the details and documents you need. Online registration is possible and cost-free.
In San Jose, CA, it is wise to renew your LLC on time. To find out when your LLC is due for renewal and to verify its status, visit the California Secretary of State’s website. You may renew your LLC via the internet if it is time.
Going to the website of the California Secretary of State is all it takes to create an LLC in San Jose, CA. Prior to applying for your tax ID number and opening a bank account, you must register your business name with the state.
Make sure the following items are present in San Jose, CA before you sell your goods. Develop a sound sales strategy before learning about your rivals. your clients, third. Pricing the item comes in at number four, while marketing and product promotion come in at number three. For a product to be sold in San Jose, CA, all of these are crucial.
Having an LLC in San Jose, CA requires you to pay self-employment tax in addition to income tax. Additionally, filing costs for LLCs are higher than those for single proprietorships. Running an LLC is more difficult than a single proprietorship.
In San Jose, CA, an LLC is a sort of company organization that combines elements of both a sole proprietorship and a partnership. Although pass-through taxes exists, LLCs do not have double taxation. Consequently, consumers may make significant financial savings.
It is not bad if you’re earning $18 an hour in San Jose, CA. It is good to go if you have a small business, especially if you run an LLC. It does not take much money to start and maintain an LLC in San Jose, CA.
You’ll need a business license if you’re self-employed and reside in San Jose, CA. By filling out the necessary paperwork and turning it in to the San Jose, CA authorities, you may apply for a business license. You must provide your company name, address, and the nature of your enterprise.
There are a few things to think about when you choose to relocate to San Jose, CA. The expense of life is first and foremost. The second question is if it will benefit your company or not. Whether the city has all the facilities or not, you still need to operate your company.
A sole proprietorship is a better option than an LLC in San Jose, CA. When you start a sole proprietorship it would be cost-effective than an LLC. Comparing both LLC and sole proprietorship in San Jose, CA, LLC might be a better choice.
In San Jose, CA, it is challenging to start a business. But you can do it if you have the necessary resources and a strategy. You may begin with the business name before moving on to additional procedures like filing and designating a registered agent in San Jose, CA.
In San Jose, CA, there are many different methods to get money for your company concept. You may go to a bank and request for a loan, seek a grant from the government, or utilize a crowdfunding website to raise money. You may look into the grants that are offered.
In San Jose, CA, every small company must have certain policies. The workers’ health and safety policy is one of the most often used policies. Other rules include those governing employee disciplinary actions, complaints, vacancies, and time off.
In San Jose, CA, starting an online company is not only popular but also inexpensive. Online teaching, selling, or legal consulting may be the cheapest businesses to start in San Jose, CA. Additionally, you may open a home-based bakery.
How Fast Can You Start Business in San Jose, CA
One striking characteristic of San Jose’s business landscape is the city’s commitment to fostering entrepreneurship. The local government and public authorities have put in place a range of measures aimed at facilitating business development, minimizing bureaucratic red tape, and streamlining administrative procedures. These initiatives often translate to expedited processes, enabling entrepreneurs to set up their businesses quickly and efficiently.
Moreover, the city is brimming with organizations and resources dedicated to providing guidance and support for budding entrepreneurs. The presence of business incubators, accelerator programs, and co-working spaces allows newcomers to tap into a vast network of experienced professionals and like-minded individuals. Such networks offer invaluable mentorship, shared resources, and connections, all of which can significantly expedite the process of starting a business.
Further aiding the speed at which one can start a business in San Jose is the city’s vibrant digital ecosystem. Technology is deeply woven into the fabric of San Jose’s business infrastructure, with access to high-speed internet and advanced digital tools being readily available. This digital readiness not only enhances the operational efficiency of businesses but also simplifies processes such as online registration and obtaining necessary permits, licenses, and certifications.
Additionally, San Jose benefits from a multifaceted economy that offers a multitude of industries and markets ripe for exploration. While the technology sector is undoubtedly prominent, other sectors such as healthcare, retail, construction, and tourism thrive and provide ample room for business diversification. This diversity presents aspiring entrepreneurs with the flexibility to identify market gaps and adapt their offerings accordingly, allowing for swift entry into the business arena.
Away from the regulatory environment, the cultural aspect of San Jose plays a vital role in accelerating business establishment. The city prides itself on its diverse, inclusive, and collaborative culture, which is reflected in the local entrepreneurial community. Entrepreneurs in San Jose enjoy a warm and welcoming atmosphere, unparalleled networking opportunities, and a strong sense of camaraderie. This supportive ecosystem promotes knowledge sharing, collaboration, and partnerships—all of which positively impact the speed at which businesses can launch.
In conclusion, San Jose offers an environment that is conducive to the swift establishment of businesses. From the facilitative government measures to the robust support systems and the city’s overall entrepreneurial ethos, entrepreneurs in San Jose benefit from a range of advantages. Combined with a vibrant economy and a tech-forward infrastructure, these factors strengthen the foundation for entrepreneurs, enabling them to start businesses quickly and efficiently. So, if you are contemplating embarking on your entrepreneurial journey, San Jose is undeniably a city that facilitates a fast track to business success.
Starting a business in San Jose is not only easy but also profitable. A large portion of the US and even people from other countries are registering their business in the US for intercontinental brand building. Besides, California has a sustainable economic atmosphere that is enough to encourage newbies to start and run their businesses in San Jose, CA.