A personal account allows you to access the music library completely and take part in whatever trends, dances, or challenges you choose. A business account gives you limited access to it.
Because all of your videos are seen as advertisements for your business, your music library will only be royalty-free.
Any business that shows an ad on television that includes a well-known song must pay the music label for permission to do so.
Because a business account is restricted to participating in only a few trends, it can't participate in all of them. Because they may need the usage of copyrighted material such as music or film clips at times, they are not permitted to join in all trends.