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Understanding Exempt LLC Benefits and Risks

Mar 16, 2025

Podcast Episode: Exempt LLC

Hosts: Daniel Taborek and Sebastian Sauerborn

Topics Discussed:

  • Exempt LLC
  • How LLCs function
  • Tax planning and considerations
  • Bank accounts for LLCs
  • Alternatives to LLC

Key Points:

Understanding an LLC

  • Limited Liability Company (LLC):
    • Hybrid company in the USA
    • Functions as a corporation under corporate and liability law
    • Considered a partnership for tax purposes
    • Provides limited liability like a GmbH but requires minimal deposit

Taxation Aspects

  • Partnership Taxation:

    • LLC does not pay direct taxes
    • Profits taxed at member level
    • Example: Shared profit among members for personal income tax filing in the USA
  • Single-member LLCs:

    • Considered a "Disregarded Entity"
    • Does not file separate tax returns
    • Income reported on owner's tax return

Advantages of an LLC

  • Liability Protection:

    • Shields personal assets from business liabilities
  • Tax Transparency:

    • No double taxation
  • Flexibility:

    • Suitable for digital nomads and international entrepreneurs

Non-Taxable Status Conditions

  • Single Shareholder:
    • Must be a natural person
  • No Permanent Establishment in the USA:
    • No commercial activities or physical presence in the USA

Doing Business with an LLC

  • Serving US Market:

    • Possible without a tax liability if no business presence in the USA
    • Be cautious of employing someone or having business operations in the USA
  • European Union Operations:

    • Must register for VAT if supplying private customers
    • Apply reverse-charge mechanism for B2B transactions
    • Adherence to EU VAT rules mandatory

Myths and Misconceptions

  • Foreign Income in Tax-free Countries:
    • LLC income generated locally may not be considered foreign income
    • Legal advice recommended

Banking for LLCs

  • Opening Bank Accounts:
    • Possible with online banks like Mercury, Wise, and Payoneer
    • Need proper documentation, website, and LinkedIn profile for bank account approval

Suitability of LLCs

  • Suitable for digital nomads and residents in tax-favorable countries
  • Not suitable for residents with unlimited tax liability in high-tax countries like Germany

Comparing LLC with UK Limited

  • UK Limited:
    • Higher transparency and tax obligations
    • Possible use alongside an LLC to manage perceptions and legal requirements

Visa and Residency Implications

  • Exempt LLC not conducive for obtaining US visas or green cards due to tax avoidance nature

Conclusion

  • LLCs provide numerous advantages for entrepreneurs abroad, especially those not tied to high-tax countries or intending to do business directly in the USA. However, careful legal and tax planning is necessary to avoid pitfalls.