Business Structure · Cloud Residents

Business Structure

Hey everyone,

I know this community focuses on personal banking, but I wanted to raise something that affects most of us at the starting point, the business structure itself.

Quick question for those who have gone through this:

Do US banks and payment processors (Stripe, Shopify Payments, Mercury, Relay, BoFA, Chase etc.) treat a C-Corporation (Inc.) differently from a single-member LLC when the owner is a non-US resident, specifically when opening business bank accounts and merchant accounts?

My understanding is that a C-Corp may actually be cleaner from a KYC perspective because:

It is a fully separate resident US legal entity
The Inc is a US resident for tax purpose
It files its own tax returns (Form 1120) independently of the foreign owner
Foreign ownership is straightforward and well-understood by banks — it is simply a shareholder relationship with a clear corporate structure

Whereas a single-member LLC with a foreign owner can complicate KYC conversations because it is a disregarded entity for US tax purposes — meaning the IRS treats it as if it does not exist and looks straight through to the foreign owner. Some banks get uncomfortable with this transparency because it raises questions about whether the business has genuine US economic substance separate from the foreign individual.

Has anyone had a noticeably smoother or harder experience with one structure vs the other when opening US business bank account and Payment Processor accounts as a non-US owner? Specifically — did the single-member LLC disregarded entity status ever come up as a problem during KYC?

On the business address question — this is where I could use the most help:

I am specifically looking for a US business address that satisfies the following requirements simultaneously, which is harder than it sounds:

A physical street address (not a PO Box and not flagged as a CMRA — commercial mail receiving agency)
Able to receive mail and packages on behalf of the company
Utility bill or lease agreement in the company name (not a registered agent name)
Accepted by Stripe, Shopify Payments, and US banks as a legitimate business address for KYC purposes

Has anyone successfully set up a compliant physical address — ideally in Florida, that satisfies all of the above? Specifically: