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MAS Accounting & Tax is a Seminole, FL-based accounting firm offering small business accounting, tax planning, and financial advisory services to help business owners manage finances and focus on growth.
Data compiled from public sources
Monica's Business Solutions, operating as MAS Accounting & Tax, is an accounting and tax services firm based in Seminole, Florida. The firm is led by Monica Rivera, an Enrolled Agent (EA), and provides financial and tax services primarily to small business owners. The company positions itself as an alternative to hiring a full-time financial executive, offering professional accounting expertise at lower cost through outsourced arrangements.
The firm offers comprehensive small business accounting services including bookkeeping, financial statement preparation, tax planning and preparation, cash flow analysis, budget forecasting, and strategic financial advising. They provide quarterly, monthly, and annual financial statements, business tax returns, profit and loss analysis, balance sheet preparation, custom financial reports, accounting systems setup, chart of accounts configuration, internal controls implementation for fraud prevention, and outsourced CFO services. They also handle QuickBooks services and provide tax services for individuals and businesses.
MAS Accounting & Tax distinguishes itself through personalized service arrangements—meeting clients monthly, quarterly, or annually based on business needs—and positioning accounting expertise as a pathway to better business decision-making rather than a compliance burden. The firm emphasizes helping small business owners "focus on core business tasks" by handling financial complexity. Customer testimonials highlight professional service quality and perceived value delivered.
This is fundamentally an accounting and tax advisory firm, not a business lender or financial lending service. The current "business-loans" categorization is factually incorrect. The firm provides no evidence of lending, merchant cash advances, equipment financing, lines of credit, or any form of capital provision. This appears to be a categorization error that should be corrected to reflect the firm's actual service model.
This is state-level context for Business Loans consumers in Miami, FL. It does not confirm that MONICA'S BUSINESS SOLUTIONS or this specific location is licensed.
State regulator
Florida Office of Financial Regulation
Consumer protection
Status: Permitted
Rate context: 18% APR for loans under $500,000; no cap for loans $500,000 and above
Personal loans are regulated under Florida's usury laws (Fla. Stat. § 687.02). The Office of Financial Regulation oversees licensed lenders.
Status: Permitted
Rate context: Tiered rate caps under the Florida Consumer Finance Act (Fla. Stat. § 687.101-687.308): rates vary based on loan amount and structure; maximum rates generally range from 18-25% depending on loan size and repayment terms
Installment lenders must be licensed by the Office of Financial Regulation. The Consumer Finance Act establishes specific rate schedules for different loan amounts.
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
MONICA'S BUSINESS SOLUTIONS offers 14 services including Small business accounting and bookkeeping, Business tax return preparation and filing, Individual tax services and preparation, Tax planning and strategic tax reduction strategies, Financial statement preparation (quarterly, monthly, annual), and 9 more.
MONICA'S BUSINESS SOLUTIONS is best suited for Small business owners who struggle with bookkeeping, financial analysis, or tax planning and want to outsource these functions, Startups and growing businesses needing strategic financial guidance without the expense of hiring a full-time CFO or controller, Business owners seeking quarterly or monthly financial reviews to improve cash flow and profitability management, Sole proprietors and small business operators needing professional tax preparation and compliance support.
Key strengths: Enrolled Agent (EA) credential provides tax expertise and IRS representation authority; Flexible engagement options (monthly, quarterly, or annual meetings) accommodate different business sizes and cash flow patterns; Comprehensive service suite eliminates need for multiple vendors—accounting, tax planning, bookkeeping, and CFO services in one firm. Areas to consider: Website contains test/placeholder content ("Test Site," "1234 test road, Coolsville, OH") suggesting poor website maintenance or outdated information; No pricing information, service packages, or fee structures disclosed—requires direct contact for cost expectations.
In the Business Loans category, comparable providers include Automotive Fresh Start Center, Cocard, Florida First Capital Finance. Each company has different strengths — compare services, pricing, and consumer complaint records to find the best fit.
CreditDoc Diagnosis
MAS Accounting & Tax is best for small business owners who need professional accounting, bookkeeping, and tax expertise but cannot afford full-time financial staff. The primary caveat is that this firm provides accounting and advisory services only—not business financing or loans—making the current 'business-loans' categorization factually inaccurate and potentially misleading to consumers seeking capital or credit products.
Auto lender specializing in vehicle financing for consumers with challenged credit, active bankruptcy, or no credit history. Offers direct-to-door delivery and works with multiple lenders to secure approval.
Best for: Consumers in active Chapter 7 bankruptcy seeking to purchase a vehicle during the filing process, Recently discharged bankrupts (within 1-2 years) unable to qualify for bank/credit union auto loans
Payment processing network of owner-operated ISOs offering credit/debit card terminals, mobile processing, and merchant services since 1999.
Best for: Small retail and restaurant businesses seeking payment processing with lower overhead costs, Mobile vendors, food trucks, and outdoor event merchants who need wireless or portable terminals
SBA 504 lender serving Alabama, Florida, and Georgia with fixed-rate commercial real estate, equipment, and debt refinancing loans for small businesses.
Best for: Established small business owners purchasing or expanding commercial real estate with 10%+ equity available, Companies seeking to refinance existing commercial debt at lower rates without business expansion plans
Answer 3 quick questions to see if this provider matches your needs.
1. What's your primary financial goal?
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Read guide →New to credit and lending? Here are the key terms used on this page, explained in plain language with real-number examples.
The total yearly cost of borrowing money, including the interest rate plus any fees the lender charges. Think of it as the 'true price tag' on a loan.
Lenders must show APR by law (Truth in Lending Act) because the interest rate alone can hide fees. Comparing APR across lenders is the most reliable way to find the cheapest loan.
Example
You borrow $10,000 at 6% interest for 3 years, but there's a $300 origination fee. The interest rate is 6%, but the APR is 6.9% because it includes that fee. You'd pay $304/month and $946 total in interest.
The percentage a lender charges you for borrowing their money, calculated on the amount you still owe. It's the lender's profit for taking the risk of lending to you.
Even a 1% difference in interest rate can cost you thousands over a loan's life. Lower rates mean less money out of your pocket.
Example
On a $20,000 car loan for 5 years: at 5% you pay $2,645 in interest. At 8% you pay $4,332. That 3% difference costs you $1,687 extra.
A person who agrees to repay your loan if you can't. They're equally responsible for the debt, and their credit is affected by your payment behavior.
Cosigning helps people with thin credit get approved or get better rates. But it's a huge risk for the cosigner — they're on the hook for the full amount if you default.
Example
A parent cosigns their child's $30,000 student loan. The child stops paying after 6 months. The parent is now legally required to make the payments or face collections, lawsuits, and credit damage.
How long you have to repay the loan, measured in months or years. A shorter term means higher monthly payments but less total interest paid.
Longer terms feel more affordable monthly but cost much more overall. A 30-year mortgage costs almost double in interest compared to a 15-year mortgage on the same amount.
Example
Borrowing $200,000 at 6.5%: A 15-year term costs $1,742/month ($113,561 total interest). A 30-year term costs $1,264/month ($255,088 total interest). You save $141,527 with the shorter term.
A one-time fee the lender charges to process and set up your loan. It covers their costs for underwriting, verifying your information, and preparing paperwork.
Origination fees are usually 1-8% of the loan amount and are often deducted from your loan proceeds — so you receive less than you borrowed.
Example
You're approved for a $10,000 personal loan with a 5% origination fee. The lender deducts $500 upfront, so you receive $9,500 in your bank account but owe $10,000 plus interest.
The original amount of money you borrowed, before any interest or fees are added. It's the 'real' amount of your debt.
Your interest is calculated on the principal. Paying extra toward principal (not just interest) is the fastest way to reduce your total cost and pay off a loan early.
Example
You borrow $25,000 for a car. That $25,000 is your principal. Your first payment of $450 might split as $150 toward interest and $300 toward principal, bringing your balance to $24,700.
The process where a lender evaluates your finances — income, debts, credit history, assets — to decide whether to approve your loan and at what rate.
Understanding what underwriters look for helps you prepare a stronger application. They check your DTI ratio, employment stability, credit score, and the asset's value.
Example
You apply for a mortgage. The underwriter reviews your pay stubs (income), bank statements (savings), credit report (history), and orders an appraisal (home value). This takes 2-4 weeks.
Want to learn more? Read our Financial Wellness Guides for in-depth explanations and practical advice.
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