Services About How It Works Book a Call
Oviedo, FL · Serving the Orlando Area

Clean books.
Clear finances.
No stress.

Certified bookkeeping for small businesses, Airbnb hosts, and contractors in the Orlando area. You run your business — I'll handle the numbers.

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✅ Intuit Academy Certified
✅ QBO ProAdvisor
✅ Business Analytics · Excel
✅ Licensed LLC · Florida
✅ E&O Insured
Why it matters

Messy books cost you more than clean ones.

Most small business owners overpay their CPA, miss deductions, and waste hours on tasks they shouldn't be doing.

01
Lower your CPA bill
CPAs bill $150–300/hr. Every hour they spend cleaning up your books is money you could have saved. Clean monthly books means your CPA spends time on strategy, not data entry.
02
Catch missed deductions
Most small business owners miss $2,000–5,000 in deductions annually. Organized books mean every legitimate expense is captured and categorized before tax time.
03
Know your numbers
Monthly P&L reports show you exactly where your money is going. No more guessing whether your business is profitable — just clear, simple financials you can actually understand.
04
Get your time back
You started your business to do what you're good at — not to spend Sunday nights in QuickBooks. Hand off your books and focus on the work that actually grows your income.
Specializing in
Airbnb & VRBO hosts
near Orlando.

Short-term rental income has unique bookkeeping needs — platform fees, cleaning costs, maintenance, and occupancy tracking. I know your books inside and out.

Simple, predictable monthly books — rental income is consistent and easy to track
Every deductible expense captured — cleaning, supplies, repairs, platform fees
Monthly P&L report so you know your actual profit per property
Tax-ready books your CPA will thank you for
Also serving restaurants, contractors, and local service businesses
Services & Pricing

Simple, transparent pricing.

Flat monthly rates with no hidden fees. Pick the plan that fits your business — or let's talk and I'll recommend the right one.

Starter
$250/mo
Under 100 transactions/mo
  • Transaction categorization
  • Bank reconciliation
  • 1 bank or credit account
  • Monthly QBO reports
  • Email support
Best for: Airbnb hosts, freelancers, solo contractors
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Most Popular
Growth
$450/mo
100–300 transactions/mo
  • Everything in Starter
  • Up to 3 accounts
  • A/P & A/R tracking
  • Excel P&L dashboard
  • Monthly 30-min review call
Best for: restaurants, retail, service businesses
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Pro
$650/mo
300+ transactions/mo
  • Everything in Growth
  • Unlimited accounts
  • Payroll processing
  • Custom Excel reporting
  • Priority 24hr response
Best for: contractors, multi-location businesses
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Add-on Services
Excel P&L Dashboard
+$75–150/mo
Standalone add-on for Starter clients
Catch-Up Bookkeeping
$75–150/mo behind
One-time project — get tax-ready fast
QBO Setup & Onboarding
$300–500 one-time
New businesses starting from scratch
Payroll Processing
+$100–200/mo
Easy upsell for growing businesses
How It Works

Up and running in three steps.

Getting started is simple. No complicated onboarding, no confusing contracts — just clean books, fast.

01
Book a free 15-minute call
We talk about your business, your current bookkeeping situation, and what you actually need. I'll recommend the right plan and answer any questions — no sales pressure, no obligation.
02
Sign your engagement letter
A simple 1-2 page agreement outlining exactly what I do, what you pay, and what I need from you each month. Clear scope, clear terms, no surprises.
03
Get clean books every month
I connect to your accounts, categorize your transactions, reconcile your books, and deliver a clear monthly report by the 15th. You review it, I answer questions, done.
About

Certified.
Local. Accountable.

I'm Luke, a certified bookkeeper based in Oviedo, FL. I started Pancake Financial LLC to give small business owners in the Orlando area access to professional bookkeeping without the overhead of a large firm.

I'm certified by Intuit — the company behind QuickBooks — which means I know the software your business already uses. I also hold a Business Analytics with Excel certification, which means I can give you reports that actually make sense to look at.

I work with a small number of clients so every business gets real attention, not a cookie-cutter service. Your books are my responsibility — and I take that seriously.

Let's Talk →
🎓
Intuit Academy Bookkeeping
Certified · 2024 · Issued by Intuit
📊
QBO ProAdvisor Certified
QuickBooks Online · Level 1 · Intuit
📈
Business Analytics with Excel
Elementary to Advanced · Certified
🏢
Pancake Financial LLC
Registered · Florida · Oviedo
🛡️
Errors & Omissions Insured
Berkshire Hathaway · Berxi · Active Policy
Get Started

Ready for clean books?

Book a free 15-minute call. We'll talk about your business and figure out exactly what you need. No commitment required.

Book Your Free Call →
Or email directly: luke@pancakefinancial.com