I doubt anyone has been declined for a tide card
Tide dont verify anything and wont ask for invoices. Lets say they do down the line - rent receipts or hotel receipts are perfectly valid. Why would there be any difficulty for a sp?
She could be a therapist or consultant etc you dont have to write sex worker
Secondly they wont offer credit - it will simply be similar to an account with no overdraft or credit facilities
Banks make the onus on the owner of the account to complete tax activities
Providing the sp isnt on an anti money laundering list she will get an account
Ive yet to hear of anyone been declined a tide account
Do you know any SP's who have a "business account"?
I assume, when you say "anyone" that's people you know who are most likely a normal business / sole trader who is a UK resident. We're talking about Sex Workers (many of whom won't be UK Residents), and if declared would be prohibited from getting an account, as this industry is specifically excluded.
Let's say they declare their line of business as a cake decorating business from home. Reading through Starling and Tide's criteria, they would need to meet the following criteria;
"To apply for a sole trader account, you’ll need to be a UK based sole trader or freelancer (you're going to have to prove that)
Be a UK Resident
Have a valid UK phone number and address, and hold a compatible device registered to a UK App or Google Play store" I don't think hotel receipts will be of any use, maybe a rent receipt for a business address.
If they're a therapist or consultant, they would likely have a professional qualification and would be required to prove it as such.
I'm happy to be proved wrong, but I don't believe that it's as simple as you suggest to open a "Business Account".