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 · Panama City
Bookkeeping Services for Panama City-Area Small Businesses
SoFlo360 is a Florida-based bookkeeping firm serving Panama City-area small businesses remotely. We're in Central Florida — the Panhandle is a real drive, and we won't pretend otherwise — but the whole engagement runs online, built for the construction, hospitality, and beach-economy businesses rebuilding and growing across Bay County.
How We Work
How we work with Panama City-area businesses
Panama City and the Beach run on construction, hospitality, and tourism — a local economy still in a long rebuild and growth cycle. That means a lot of contractors, trades, and seasonal hospitality businesses that need clean job-cost and monthly books but don't have time to chase them. We handle it entirely remote: bank feeds, document upload, Bay County sales and tourist tax, year-end packet to your CPA. We're nowhere near the Panhandle — and with remote bookkeeping, that genuinely doesn't matter.
Industries
Panama City industries we work with
These are the categories where we tend to fit small operators in the Panama City 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.
Construction
Construction contractors
Residential subs and small GCs working Bay County's long rebuild and new growth. Job costing, 1099 vendor records, draw schedules, and CPA-ready year-end books that survive a workers' comp audit.
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Hospitality
Restaurants & hospitality
Independent restaurants, bars, and small lodging on Panama City Beach and the downtown marina. Food cost, labor, tips, seasonal cash flow, and Bay County sales tax tracked monthly.
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Marine & Boating
Marine & boating businesses
Charters, detailing, marine repair, and dive operators on St. Andrews Bay and the Gulf. Seasonal cash flow, fuel and slip expenses, and 1099 mate or captain records handled cleanly.
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Short-Term Rentals
Short-term rental hosts
Airbnb and VRBO owners on Panama City Beach. Per-property tracking, the Bay County tourist development tax, and clean Schedule E or C books per unit.
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Home Services
Home-services trades
HVAC, landscaping, cleaning, and pool-service crews serving Bay County. Recurring income, crew payroll, vehicle and equipment expenses, and 1099s tracked monthly.
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Real Estate
Real estate agents & teams
Solo agents and small teams across Panama City and the Beach. Commission income, splits, MLS dues, and Schedule C or S-corp-ready books.
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How remote bookkeeping works
The work runs the same whether you're in Panama City 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
Panama City pricing. Same as the rest of Florida.
We don't charge a city-specific premium in Panama City, 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.
Panama City FAQ
Common questions from Panama City-area business owners.
We're based in Polk County, a long way southeast in Central Florida — the Panhandle is a real drive — 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 Panama City 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 Panama City 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 Bay County discretionary surtax (1%) 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.
Bay County has a growing Hispanic community, especially in the construction trades supporting the area's long rebuild. 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 Bay County (Panama City, Panama City Beach, Lynn Haven, Callaway, and the rest of Bay County) is what we mean by 'Panama City-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
Panama City 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.