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 · St. Cloud
Bookkeeping Services for St. Cloud Small Businesses
SoFlo360 is a Florida-based bookkeeping firm serving St. Cloud's construction contractors, trades, restaurants, and service businesses remotely. We're an hour west in Polk County, the work happens entirely online, and we know the Osceola residential boom from the inside — we've been watching it grow on the I-4 commute for years.
How We Work
How we work with St. Cloud-area businesses
St. Cloud is one of the fastest-growing residential markets in Florida — the area between Narcoossee Road and the Osceola County line east of Lake Tohopekaliga has gone from rural to rooftop-after-rooftop in less than a decade. That growth has created a small-business ecosystem around it: framers, roofers, electricians, HVAC, landscape, pool, painters, finish trades, and the restaurants and service businesses that feed and clean for them. We're an hour west on the Florida Turnpike from St. Cloud, the engagement runs remote, and we already serve construction and trade clients across the Kissimmee / St. Cloud / Poinciana corridor. Where we fit best: small residential construction and trade operators, restaurants and food businesses in the downtown St. Cloud and Narcoossee Road areas, and the home-service operators covering the new neighborhoods east of Stevens Plantation.
¿Hablan español? Sí. Spanish-friendly support is built into how we work — calls, emails, document review, and year-end CPA handoff can all run in Spanish.
Industries
St. Cloud industries we work with
These are the categories where we tend to fit small operators in the St. Cloud 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
Residential construction & trades
Framers, roofers, concrete, electrical, HVAC, plumbing, drywall, finish, and landscape crews working the still-booming St. Cloud and east Osceola residential market. Job costing, 1099 vendor records, CPA-ready year-end books, and clean workers' comp audit prep.
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Restaurants
Restaurants & food businesses
Independent restaurants and food businesses around downtown St. Cloud, the New York Avenue corridor, and the Narcoossee Road growth area. Daily sales, food cost, payroll, and Osceola County sales tax tracked monthly.
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Service Businesses
Home services & trades
Lawn, landscape, pool, pest, cleaning, HVAC service, and home-service operators covering the new St. Cloud neighborhoods. Clean monthly P&L, subcontractor 1099s, and S-corp owner-draw setups.
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Real Estate
Real estate agents
Solo agents and small teams working the St. Cloud / Narcoossee / east Osceola residential market — first-time buyer heavy, new-construction heavy. Commission income, splits, marketing spend, MLS dues, Schedule C or S-corp-ready books.
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Auto & Trades
Auto repair & mechanical trades
Independent auto repair, body shops, mobile mechanics, welding, and small fabrication operators serving the St. Cloud commuter and residential market. Parts vs. labor margins, inventory tracking, and clean monthly P&L.
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Latino-Owned Businesses
Latino-owned restaurants & services
St. Cloud's Hispanic small-business community has grown alongside the residential boom — restaurants, panaderías, salones, auto shops, and family construction operations. Spanish-friendly support throughout.
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How remote bookkeeping works
The work runs the same whether you're in St. Cloud 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
St. Cloud pricing. Same as the rest of Florida.
We don't charge a city-specific premium in St. Cloud, 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.
St. Cloud FAQ
Common questions from St. Cloud-area business owners.
No. We're an hour west in Polk County (Auburndale / Lakeland). The work runs entirely remote — bank feeds, secure document upload, video calls, monthly close on a calendar date. Most of our St. Cloud clients have never met us in person.
Yes. Florida state sales tax (6%) plus the Osceola discretionary surtax (1.5%) tracked correctly per transaction. For STR operators we handle Osceola TDT (6%). We prepare the returns for filing; you or your CPA submit.
Yes. Workers' comp audit prep is part of how we set construction books up day-one — clear separation of 1099 vs. W-2 labor, subcontractor certificate-of-insurance tracking, and the payroll-by-class detail your auditor will ask for. Most of the St. Cloud residential subs we work with have their audits go smoothly because the documentation was clean before the audit started.
Yes. St. Cloud's Hispanic small-business community has grown rapidly with the residential boom, and we offer Spanish-friendly support — calls, emails, and document review can run in Spanish whenever that's easier for the client.
Perfect timing. Starting a new business with clean books from day one is much easier than reconstructing them later. We set up your QuickBooks Online (or migrate from whatever you're using), build the chart of accounts around your industry, connect bank feeds, and get the monthly rhythm started. Onboarding typically takes 5–10 business days.
Absolutely. The free consultation is built for this — 30 minutes on a call (English or Spanish), no prep required. We'll walk through what bookkeeping actually does for a business, what you'd need from us each month, what you'd handle yourself, and what a clean year-end packet looks like for your CPA. Half our clients started as first-time owners.
Nearby service areas
St. Cloud 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.