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Miami-based tax preparation, accounting, and business management firm serving entrepreneurs and professionals with personalized tax strategies and year-round financial support.
Data compiled from public sources
The Tax Team is a Miami-based tax and accounting firm founded by CEO Aileen Guillen, operating from their Coral Gables location. The company reports over 10,000 success stories in Miami and now serves clients nationwide. They maintain a 4.7-star rating across 400+ reviews on Google, Facebook, and BBB, with customer testimonials highlighting responsive service from named team members like Odalys Fuentes, Karin, Michael, and Alfredo.
The Tax Team offers comprehensive services across three main service lines: tax services (personal and business tax preparation, IRS audit representation, tax planning and strategy), accounting and bookkeeping (financial reports, payroll compliance, sales tax filings), and business management (LLC and S-Corp formation, budgeting and cash flow strategy, risk and compliance management). They position themselves as QuickBooks Pro Advisors and emphasize year-round support rather than seasonal tax-season-only engagement.
The company differentiates itself through Miami-specific tax expertise, particularly around Florida's unique tax landscape including property tax exemptions, small business compliance, and international tax considerations relevant to the region. They emphasize personalized service for both individuals and businesses, and highlight their multilingual capacity (serving both Hispanic and English speakers based on testimonials). Their marketing focuses on stress-free, simplified processes with expert guidance on business structuring and financial optimization.
As a tax and accounting services firm, The Tax Team operates as a service provider rather than a lender. While categorized under business-loans, they do not directly provide financing. Their value proposition centers on tax savings, compliance, and business structure optimization that may indirectly support borrowing capacity or business health. Prospective clients should note this is a professional services firm, not a lending institution.
This is state-level context for Business Loans consumers in Coral Gables, FL. It does not confirm that The Tax Team 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.
The Tax Team offers 12 services including Personal and business tax preparation and filing, Tax planning and year-round strategy consultation, IRS audit representation and tax resolution support, Bookkeeping and financial reporting, Payroll processing and employee tax compliance, and 7 more.
The Tax Team is best suited for Miami-based small business owners and entrepreneurs seeking integrated tax planning and business structure optimization, Freelancers and self-employed professionals (referred to as 'Entrepreneurs & Professionals') managing personal and business finances, Spanish-speaking business owners and individuals preferring multilingual tax and accounting support.
Key strengths: 4.7-star rating across 400+ verified reviews on Google, Facebook, and BBB; Named, experienced tax professionals (Odalys Fuentes, Michael, Alfredo, Karin, Aileen Guillen) with individual testimonials; Miami-specific tax expertise addressing local property taxes, small business compliance, and international tax considerations. Areas to consider: No pricing information published on website—requires contacting for service rates; Primarily Miami-based firm expanded to nationwide clients; unclear service delivery model for out-of-state clients.
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
The Tax Team is best for Miami-area entrepreneurs, small business owners, and self-employed professionals seeking comprehensive tax strategy and accounting services with personalized, multilingual support. The primary caveat is that despite business-loans categorization, this is a professional tax and accounting services firm that does not provide business financing—they optimize finances and compliance to strengthen business health, but do not directly lend capital.
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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