parkaboy

You can very easily setup an LLC and obtain an EIN. It's been a minute since I've setup an Apple financing account, so I don't recall what they require on the finance side. I'm certain they will want to see some sort of financial proof, but I doubt they will care much if you're not a proper operating biz. I'm not sure if proof of finances will need to be linked to a banking account under the business name, but if so, that's easy enough to setup with an ebank once you have an EIN.

All of that being said, the tradeoff will be if you're willing to deal with the potential state/federal tax and biz reporting requirements of having the business. It's not hard esp if it's not a real active business, but just another thing to deal with.