Ça devrait être assez simple
Users
User_id_0
Name: frank
Business_ref: Business_id_0
User_Id_1
Name: buzz
Business_ref: Business_id_1
Businesses
Business_id_0
Business_name: Code'r' us
Owner: User_id_0
Business_id_1
Business_name: Burger Boooyaa
Owner: User_id_1