I would go with one main table containing everyone and several specialized (1 to 0 or 1) tables that only contain users of that type:
AllUsers
UserID int identity PK
Active char(1)?
DateRegistered date
FirstName {string}
..all other common columns here
BusinessUsers
UserID int PK and FK to AllUsers
Website {string}
..all business only columns
NormalUsers
UserID int PK and FK to AllUsers
BirthDate date
..all normal user only columns
..any other user types tables as needed
If you need to load everything for a user do:
SELECT
* --please only return the columns you actually need!
FROM AllUsers u
LEFT OUTER JOIN BusinessUsers b ON u.UserID=b.UserID
LEFT OUTER JOIN NormalUsers n ON u.UserID=n.UserID
WHERE u.UserID=123
if you need to only load data for a specific type use:
SELECT
* --please only return the columns you actually need!
FROM AllUsers u
LEFT OUTER JOIN NormalUsers n ON u.UserID=n.UserID
WHERE u.UserID=123
--or
SELECT
* --please only return the columns you actually need!
FROM NormalUsers n
WHERE n.UserID=123