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Im a car cleaner but I dont want my cheques made payable to fred bloogs I want them made out to adams cleaning services.
Based in the UK.
In the US - you can do
1. a DBA (doing business as) - cheapest, easiest, but least liability protection
2. LLC sole proprietor - more commonly used w/ more liability protection
3. Corporations - different rules, toughest to setup and maintain, but added tax and liability benefits
After 1 year you will get hit with bank fees for even thinking about your own money and will proably want to quickly revert back to a current account :)
In the UK this status is a sole trader, trading as xyz.
When you open your business account give them a trading name (they usually ask for some letter headed paper with the trading name on it as proof). If you haven't chosen your bank yet I'd recommend Abbey which offers free business banking for life.