If you are starting a business, then it is highly recommended that you choose a unique name that truly represents what you do. But if the name you want isn’t the same as your legal name or the name of your registered entity, then what you need to do is file a “Doing Business As” (DBA) name.
Now, for many small business owners, this is an essential step for opening bank accounts, building a recognizable and widely known brand, and meeting state or local requirements.
The challenge is that the process to file a DBA can feel confusing, especially if it’s your first time handling business paperwork, because rules vary across states. But the saving grace here is that today’s online systems have made it easier than ever to complete your filing accurately and quickly.
Let’s go through everything you need to know, from what a DBA is, why it matters, and how to apply for a DBA online, to avoiding common mistakes.
Table of Contents
1. What a DBA Is and Why It Matters
A DBA, short for “Doing Business As” (as you already know), is a trade name that lets you operate your business under a name that’s not your personal or legal entity name.
For example:
Now, let’s be clear here – A DBA does not form a new business entity and does not offer liability protection. Instead, what it does is publicly record the name that you plan to use so that customers, banks, and regulators know who stands behind the business.
Registering a DBA matters because it helps you:
2. Key Concepts to Understand Before Filing
Before you apply, it’s important to understand a few foundational rules about DBA:
These rules protect consumers against confusion and ensure the transparency of your business.
3. How To Apply for a DBA Online: Step-by-Step
While the specific requirements vary by state, the general process to apply for a DBA online looks similar across jurisdictions.
Step 1: Search for Name Availability
Your state will reject a DBA that is already in use or if it’s too similar to another registered name. It has become common practice for many business owners to conduct a preliminary search using online filing services, which helps check availability of their preferred name, before submitting an application.
Step 2: Determine Where to File
Different states handle DBAs at different levels:
Checking the correct filing location prevents delays.
Step 3: Complete the Online Application
You’ll typically need to provide:
Online forms guide you step-by-step, reducing the likelihood of errors.
Step 4: Pay the Filing Fee
Fees vary depending on your state or county. Payment is usually made online, and processing times can range from a few days to a few weeks.
Step 5: Meet Any Publication Requirements
Some jurisdictions require you to publish your new DBA name in a local newspaper for a specified period. This step is mandatory in certain states and optional in others.
Step 6: Keep Your DBA Certificate Safe
You may need your DBA approval for:
4. Common Mistakes to Avoid
Many small business owners run into avoidable issues when filing a DBA. Common mistakes include:
A few minutes of preparation can prevent weeks of delay.
5. How State Requirements Differ
DBA rules are highly jurisdiction-specific. For example:
Because these requirements can change, always check the most up-to-date rules in your area before filing. This article provides general guidance and should not be treated as jurisdiction-specific legal advice.
6. When To Seek Legal Guidance
Although most people can complete the DBA process on their own, certain situations may benefit from legal insight. Consider speaking with an attorney if:
Legal guidance can help you avoid disputes and protect your business identity.
Final Thoughts
Filing a DBA is one of the simplest steps you can take to establish your business identity and operate under a name that reflects your brand. When you apply for a DBA online using services like Swyft Filings, the process becomes faster, clearer, and easier to manage. With preparation, the right information, and attention to state-specific rules, you can complete your filing confidently and move forward with building your business.
