DBA stands for “doing business as” — also called a fictitious business name or trade name. It lets you operate under a name different from your legal name. An LLC is a separate legal entity with its own liability protection. They’re completely different things, and understanding the difference matters.

What a DBA Actually Is

A DBA is just a name registration. You, as an individual (or your LLC), register a name with your county or state to do business under that name. It does nothing for liability. You’re still personally responsible for all debts and lawsuits. You can open a bank account under the DBA name, but that account is still legally yours. If someone sues “John’s Consulting,” they’re suing John.

What an LLC Actually Is

An LLC is a separate legal entity created by filing with your state. It has its own legal identity, its own bank account, its own liability. When someone sues the LLC, they’re suing the LLC — not you personally. Your home, savings, and personal accounts stay protected. This is the entire point. A DBA gives you none of this.

When to Use a DBA

• Your LLC wants to operate under a different name than its legal name
• You’re testing a business idea before investing in a formal structure
• A sole proprietor needs a business name for a bank account (though an LLC is better)

The Verdict

If you’re running a real business, an LLC beats a DBA on every dimension that matters. A DBA is a name. An LLC is protection. The cost difference — a few hundred dollars in state fees — is trivial compared to what you’re actually getting.