what is the difference between personal and business sweeps 
individual sweeps are typically used by brokerages to store client funds until the owner decides how to invest the money for example a sweep account might move excess cash to a money market fund where it will earn greater returns than an ordinary checking account business sweep accounts are often used by small companies with large cash flows they allow the company to earn interest on excess cash reserves while ensuring that they have enough cash on hand to pay for business expenses 