Does your business need to file for a doing business as (dba), fictitious business name (fbn), assumed name, or trade name?

Stop wondering and learn when you need one and why you’ll want to get one (hint: 💰💰💰)

By the end of this video you’ll know:

• What a DBA is and isn’t
• 3 times you’ll need a DBA
• Why you want to get one (even if it’s a hassle)
• How to get one

Watch the video | Listen or download an audio-only version | Read the show notes | Read the post

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Show notes

• Watch this video to learn how to decide if you should have multiple brands or businesses in the same LLC
• Join the free 14-day email challenge to learn about the 5 must-do tasks (or leave your email below)
• Join us in the artist’s Courtyard and get instant access to the Secure your business’ legal foundation course
• Watch this video to learn how to pick a business name that won’t land you in legal hot water
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Something that might surprise you, is the name of your creative business might be a nickname under the law. 

You’re going to walk away from this video knowing: 

• what a DBA is
• what a DBA isn’t 
• 3 times you might need a DBA 
• why you want to get one
• how to get it

This week’s question comes to us from JK in Pennsylvania. JK asks,

Does my blog need a DBA?

What a DBA is

A DBA goes by four different names. It’s a:

• doing business as (dba) 
• fictitious business name (fbn)
• assumed name
• trade name

All four of these names describe the same concept:

Allowing you to do business as something other than your legal name. 

All a DBA is doing is allowing you to have a fun, creative name for your business that doesn’t match up with your legal name (either yours or your LLC/corporation). That’s all it’s doing, functioning as a legal nickname.

The reason you have to file for a DBA is that if something goes wrong, your clients and customers need to understand who is legally responsible for that business. And so after you get one, there will be a record who is the legally responsible person for that business. 

That’s all a DBA is doing: allowing you to have a fun creative name for your business that isn’t your legal name. 

What a DBA isn’t

Since your DBA is really a nickname, that means it’s not the same as creating an LLC. 

Because both LLCs and sole proprietors can have a DBA. 

You create an LLC to put a fence up between your business life and your personal life. So if anything goes wrong, the problem stays on its own side of the fence and can’t cross over. 

And filing for a DBA isn’t the same thing. There’s a totally different process that you have to go through to become an LLC and put up that fence. So a DBA is not going to provide you that kind of protection and put up that fence. 

A DBA also isn’t the same thing as going to the USPTO and filing for a trademark. Once again, there’s a whole different cost, procedure, and forms you have to file in order to make that happen. 

All DBA is doing is allowing you to have a fun and creative name for your business that aligns with what you’re doing for your clients or customers. 

It’s not again putting up an LLC fence or giving you a registered trademark. 

When do you need a DBA?

Now that you know what it is and what it isn’t, when do you need one?

There are three times when you’re going to need to get a DBA for your creative business. 

• If your name isn’t the same as your business name
• If your LLC name isn’t the same as your business name (often because you have multiple brands in the same LLC)
• When your business name implies that there are multiple business owners

To help you understand, I put together five examples of when a creative business will and won’t need to file and obtain a DBA. 

LLC name and business name different

Our first example is Molly the Maker. 

Molly has a New York LLC. And her LLC’s name is Molly Knits, LLC. 

However, her website, social media accounts, and everything else associated with her business is Knits by Molly. 

Because Molly’s LLC name is not the same as her public-facing business name, she will need to obtain a DBA. 

Multiple brands in one LLC

Our second example is for someone who has multiple brands or businesses under the same LLC umbrella. 

Courtney has a California LLC and this LLC’s name is CC Coach LLC. 

However, she has two brands:

• Coaching by Courtney
• CC Career Coach

Because her brand names do not align with her LLC name she also will need a DBA. 

Now if one of her brand names was CC Coach and the other was Coaching by Courtney, she would only need to obtain the DBA for the Coaching by Courtney brand name. 

Psst…If you’re curious if you should have multiple brands or businesses under the same LLC umbrella, then check out this video I did last season. It talks you through how to make that decision and when it is (and isn’t) a good idea. 

Dropping the LLC at the end of business name

Our third example is something that comes up a lot. And that’s for those of you that have an LLC but don’t always want to include LLC at the end of your business name.

• LLC name: Molly Knits LLC
• Public name: Molly Knits

The problem is that different locations have different rules. 

In some places, you don’t need to file for DBA, if you’re dropping the LLC. 

While in some places, if you don’t want to have that LLC at the end of your name, you’re going to need to file a DBA. 

Personal name and business name different

Our fourth example is Thomas the Teacher. 

Thomas is a sole proprietorship and his legal name is Thomas Smith. But his business name is Mighty Websites. 

You’re not going to be surprised that since his legal name doesn’t align with his business name, he’s going to need a DBA. 

If his business name was Smith Designs Mighty Websites, then he probably won’t need a DBA because his last name is included in his business name. 

Business name implies multiple owners

Our final example is Claire the Curator. Claire is also a sole proprietorship and her legal name is Claire Jones. However, her business name is Claire Jones and Company. 

Because that “and company” implies that there are multiple business owners, Claire will need to obtain a DBA.

Why should you get a DBA?

Why should you go through the headache of going down and figuring out how you’re going to file for your DBA? And then going through the process, paying the money, and doing everything that’s needed to do it.

Why should you do it?

The big reason is money. 

If you don’t have a DBA, your bank isn’t going to let you accept payment in the name of your business. You will only be able to accept payment in your legal name. 

The DBA allows you to have your clients or customers write checks or provide payment to your business’s name. 

So that’s the number one reason why you’re going to go through and deal with this legal red tape because you want to be able to accept payment in your business’s name. 

How do you get a DBA?

Now that I’ve convinced you it’s a valuable thing to do for your creative business, how do you do it?

Unfortunately, I have to give you the terrible lawyer answer, “it depends.” 

And the reason it depends is because of this is usually done on a county basis. And across the United States, we’ve got 3,142 counties.

Every county will: 

• pick from one of those four names to decide what they’re going to call it
• have a different form
• have different fees
• have different newspaper publishing requirements

So, unfortunately, all I am going to be able to tell you to do is hop over to Google and type in “Your county name” + “doing business as.” And then look at the results.

When you look at the results, make sure you find the page that’s on your counties’ website, not another website.

You want to get the information straight from your county.

Once you’ve either decided you don’t need a DBA or you’ve gotten your DBA, then you are well on your way to tackling the five must-do tasks that I think are a minimum for every creative business.

And I’ve got two resources to help you tackle the remaining tasks!

• A FREE email challenge that walks you through what exactly each of these tasks are and how you’re going to accomplish them. (Or just enter your information below.)
• Get instant access to a course that helps you complete each of these tasks (and six more!)

What was your biggest aha! moment about when you do (or don’t) need a DBA? Share your insights in the comments.