@BBigford Functionally personal and business accounts work the same. It's the exact same client software, so it should be working as I outlined above. I believe the point our chat agent was attempting to make was that other factors (sleep, shutdown, disconnection from the internet, user behavior) could result in additional delays, so sometimes allowing time is all that's needed.
Assuming the computer is powered on, connected to the internet, and awake while the Backblaze software is running on the "Continuous" backup schedule, I would expect a file to take no more than 4.5 hours to be indexed, uploaded, and then available for restore.
If that's not the behavior you're seeing, we should definitely troubleshoot further. In which case, please submit a support ticket and we'll be glad to help. If you address it to me (Chris or Christopher), the ticket will come to me directly. Here's the submission form: https://help.backblaze.com/hc/en-us/requests/new