Tier 1
Starter
Solo owners and small operators.
$149/month
Best fit if:
- Transactions: under 50/month
- Monthly expenses: under $10K
- Accounts: 1–2 accounts
Service Area · Key West
Bookkeeping Services for Key West Small Businesses
SoFlo360 is a Florida-based bookkeeping firm serving Key West small businesses remotely. We're up in Polk County — nowhere near the island, and we won't pretend otherwise — but the entire engagement runs online, which is exactly what a hospitality-and-charter economy at the end of the highway needs.
How We Work
How we work with Key West-area businesses
Key West runs on tourism — restaurants, bars, charters, tours, dive shops, and short-term rentals, all seasonal and all cash-and-tip heavy. Getting a bookkeeper to come to the island is expensive and slow; getting clean books done remotely isn't. We reconcile the POS against the bank, track Monroe County sales and tourist tax, and close every month on schedule — from Polk County, entirely online. For an island economy, remote isn't a compromise; it's the practical answer.
Industries
Key West industries we work with
These are the categories where we tend to fit small operators in the Key West market best. If yours isn't listed, ask us anyway — about half our work is in industries we don't have a dedicated page for yet.
Restaurants
Restaurants & cafés
Independent restaurants, cafés, and food spots from Duval Street to the marinas. Food cost, labor, tips, daily sales, and Monroe County sales tax tracked monthly, with POS reconciled against bank deposits.
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Bars & Nightlife
Bars & nightlife
Key West's bars, live-music spots, and late-night venues. Bar sales, tips, and event nights tracked cleanly, with the heavy cash side reconciled so the monthly numbers are real.
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Charters & Marine
Charters, tours & marine
Fishing charters, dive operators, sunset cruises, and marine services across the Keys. Seasonal cash flow, fuel and slip expenses, deposits, and 1099 mate or captain records handled cleanly.
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Short-Term Rentals
Short-term rental hosts
Airbnb and VRBO owners across Key West and the Keys. Per-property tracking, the Monroe County tourist development tax, and clean Schedule E or C books per unit.
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Retail
Retail & shops
Boutiques, galleries, dive shops, and souvenir retailers on and around Duval Street. Inventory, retail sales tax, and clean owner-draw books for seasonal, tourist-driven shops.
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Hospitality
Lodging & hospitality
Guesthouses, small inns, and hospitality operators on the island. Seasonal occupancy, deferred revenue, tourist tax, and clean monthly books that match the booking platforms.
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How remote bookkeeping works
The work runs the same whether you're in Key West or anywhere else in Florida. Here's how a typical engagement is structured.
01
Free consultation by video or phone
A 30-minute call to understand the business, the current state of the books, and what you actually need. No prep required.
02
Secure document upload
You upload bank statements, prior tax returns, and any existing QuickBooks file through our client portal — encrypted and secure.
03
Monthly bookkeeping rhythm
Each month: bank feeds reconciled, transactions categorized, reports delivered. Questions answered by email or short calls as needed.
04
Year-end hand-off to your CPA
Clean year-end packet delivered to whichever CPA or tax preparer you use. Their job is the return; ours is making it easy.
Pricing
Key West pricing. Same as the rest of Florida.
We don't charge a city-specific premium in Key West, and we don't discount it either. Pricing is fixed and transparent — see the full breakdown for tier inclusions, complexity adders, and cleanup pricing.
Tier 2
Growth
Established small businesses ready for a real monthly close.
$399/month
Best fit if:
- Transactions: 50–200/month
- Monthly expenses: $10K–$50K
- Accounts: 3–4 accounts
Tier 3
Scale
Larger or more complex businesses.
$799/month
Best fit if:
- Transactions: 200–500/month
- Monthly expenses: $50K–$200K
- Accounts: 5+ accounts
See the full pricing breakdown including complexity adders, cleanup pricing, and FAQ.
Key West FAQ
Common questions from Key West-area business owners.
We're based in Polk County, a long way north — there's no pretending Key West is nearby — but distance is irrelevant when the whole engagement runs online: bank feeds, cloud accounting, video calls, monthly reports. Almost everything in modern bookkeeping runs remote — bank feeds, document upload, cloud accounting, video calls. Most of our Key West clients have never met us in person, and video covers every conversation from onboarding through year-end.
A few reasons. One: no city-office overhead — we work remotely from Polk County, so you're not paying for a Key West storefront. Two: we're built specifically for smaller businesses — solo owners and small teams under a few hundred transactions a month — so we're not priced around the mid-market work larger firms structure around. Three: the engagement is a fixed monthly close, not billable hours. If you're a high-volume, multi-entity operation, a larger firm may genuinely fit you better — and we'll tell you that up front.
Yes. We set the books up to track Florida state sales tax (6%) plus the Monroe County discretionary surtax (1.5%) correctly per transaction. For vacation rentals, the county tourist development tax also applies, and we track it per property. We prepare each return so it's ready to file; the filing itself is normally done by you or your CPA.
Key West and the Keys have deep Cuban and Caribbean roots, and Spanish is part of everyday business across the island's hospitality economy. We offer Spanish-friendly support — calls, emails, and document review can run in Spanish whenever that's easier for the client.
For our purposes, yes. Anywhere in Monroe County (Key West, Marathon, Islamorada, Key Largo, and the rest of the Florida Keys) is what we mean by 'Key West-area' on this page. The work is identical and the pricing is identical — there's no location markup.
That's fine. Your QuickBooks Online file is yours — we don't lock it down and we don't trap data. We deliver a clean year-end packet to whoever takes over, and switching costs you nothing on our end — just give us 30 days' notice.
Nearby service areas
Key West small business? Let's talk.
Book a free 30-minute consultation. We'll review where your books stand and recommend the right next step. Phone, video, or email — whatever works.