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    <title>Lazo Fintech, Inc. — U.S. incorporation, bookkeeping and tax for founders</title>
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    <description>Guides on U.S. incorporation, bookkeeping, tax compliance and fundraising, written for founders building in the United States.</description>
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      <title>Penalties: What the IRS Expects From Inactive U.S. Entities</title>
      <link>https://www.lazo.us/blog/dormant-entity-penalties</link>
      <description>No revenue doesn&apos;t mean no penalties. What the IRS expects from a dormant U.S. entity.</description>
      <pubDate>Wed, 12 Aug 2026 00:00:00 GMT</pubDate>
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      <title>The flip for LATAM founders: when restructuring makes sense</title>
      <link>https://www.lazo.us/blog/flip-restructuring-latam-founders</link>
      <description>When to flip to a Delaware C-Corp and what risks appear if you wait too long.</description>
      <pubDate>Wed, 05 Aug 2026 00:00:00 GMT</pubDate>
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      <title>International Contractors: W-8BEN, 1099, and Tax Best Practices</title>
      <link>https://www.lazo.us/blog/international-contractors-w8ben-1099</link>
      <description>W-8BEN, 1099, and best practices to manage international contractors without IRS penalties.</description>
      <pubDate>Wed, 22 Jul 2026 00:00:00 GMT</pubDate>
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      <title>Delaware C-Corp: When It Makes Sense If You Want Institutional VC</title>
      <link>https://www.lazo.us/blog/delaware-ccorp-institutional-vc</link>
      <description>When a Delaware C-Corp truly makes sense for LATAM founders targeting institutional VC.</description>
      <pubDate>Wed, 15 Jul 2026 00:00:00 GMT</pubDate>
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      <title>Incorporating in the U.S. as a LATAM Founder: A Practical Guide</title>
      <link>https://www.lazo.us/blog/incorporating-us-latam-founders-guide</link>
      <description>A practical guide for LATAM founders on incorporating in the US: LLC vs C-Corp and compliance basics</description>
      <pubDate>Tue, 23 Jun 2026 00:00:00 GMT</pubDate>
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      <title>U.S. Company with no revenue: what you need (and what may not apply)</title>
      <link>https://www.lazo.us/blog/us-company-no-revenue-compliance</link>
      <description>$0 revenue doesn&apos;t mean zero obligations for your U.S. company.</description>
      <pubDate>Mon, 22 Jun 2026 00:00:00 GMT</pubDate>
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      <title>Investor-ready bookkeeping: what it is and what it looks like in practice</title>
      <link>https://www.lazo.us/blog/investor-ready-bookkeeping-guide</link>
      <description>What investor-ready bookkeeping looks like in practice for LATAM founders</description>
      <pubDate>Wed, 11 Mar 2026 00:00:00 GMT</pubDate>
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      <title>C-Corp vs. LLC for founders: decide the right U.S. structure</title>
      <link>https://www.lazo.us/blog/ccorp-vs-llc-latam-founders</link>
      <description>C-Corp vs. LLC: how to choose based on your stage and fundraising goals.</description>
      <pubDate>Tue, 10 Mar 2026 00:00:00 GMT</pubDate>
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    <item>
      <title>Due Diligence: The Minimum Folder You Should Be Able to Assemble</title>
      <link>https://www.lazo.us/blog/due-diligence-folder-24-hours</link>
      <description>Build a due diligence folder investors can review — ready in 24 hours.</description>
      <pubDate>Mon, 09 Mar 2026 00:00:00 GMT</pubDate>
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      <title>Cap Table, SAFEs, and Equity: What Every LATAM Founder Must Know</title>
      <link>https://www.lazo.us/blog/cap-table-safes-equity-latam-founders</link>
      <description>A practical guide for LATAM founders on cap tables, SAFEs, and equity.</description>
      <pubDate>Fri, 06 Mar 2026 00:00:00 GMT</pubDate>
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      <title>When does a startup actually need a Fractional CFO? A founder’s guide</title>
      <link>https://www.lazo.us/blog/when-does-a-startup-actually-need-a-fractional-cfo-a-founders-guide</link>
      <description>Learn when a startup actually needs a Fractional CFO.</description>
      <pubDate>Wed, 28 Jan 2026 00:00:00 GMT</pubDate>
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      <title>U.S. operations for startups: A practical guide for founders scaling from day one</title>
      <link>https://www.lazo.us/blog/u-s-operations-for-startups-a-practical-guide-for-founders-scaling-from-day-one</link>
      <description>A practical guide for founders scaling U.S. startups.</description>
      <pubDate>Wed, 21 Jan 2026 00:00:00 GMT</pubDate>
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      <title>From focus to growth: How a clear niche shaped Nico’s founder journey</title>
      <link>https://www.lazo.us/blog/from-focus-to-growth-how-a-clear-niche-shaped-nicos-founder-journey</link>
      <description>A founder case study on how defining a clear niche and building the right team.</description>
      <pubDate>Mon, 12 Jan 2026 00:00:00 GMT</pubDate>
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      <title>How to prepare for U.S. tax season 2026 as a foreign founder</title>
      <link>https://www.lazo.us/blog/how-to-prepare-for-u-s-tax-season-2026-as-a-foreign-founder</link>
      <description>A practical guide for foreign founders preparing for U.S. tax season 2026.</description>
      <pubDate>Mon, 05 Jan 2026 00:00:00 GMT</pubDate>
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    <item>
      <title>Are startups tax-free for the first 3 years? Here’s what founders should Know</title>
      <link>https://www.lazo.us/blog/do-startups-get-3-years-tax-free</link>
      <description>There’s no 3-year tax holiday, but targeted credits and smart planning can reduce startup tax burden</description>
      <pubDate>Mon, 22 Dec 2025 00:00:00 GMT</pubDate>
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      <title>Startup tax accountant, pricing, compliance &amp; bookkeeping for startups</title>
      <link>https://www.lazo.us/blog/startup-tax-accountant-pricing-compliance</link>
      <description>Founder-friendly tax, compliance, and bookkeeping support for startups.</description>
      <pubDate>Mon, 15 Dec 2025 00:00:00 GMT</pubDate>
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      <title>Startup tax accountant: Multi-state Nexus compliance for Delaware C-Corps</title>
      <link>https://www.lazo.us/blog/startup-tax-accountant-multi-state-nexus-compliance</link>
      <description>One hire or sale can trigger multi-state nexus. Protect runway and stay compliant with experts.</description>
      <pubDate>Tue, 09 Dec 2025 00:00:00 GMT</pubDate>
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    <item>
      <title>How passion and clarity shaped José Mendoza’s path as a founder</title>
      <link>https://www.lazo.us/blog/how-passion-and-clarity-shaped-jose-mendozas-path-as-a-founder</link>
      <description>Discover how founder José Mendoza navigated early-stage challenges with the support of Lazo.</description>
      <pubDate>Wed, 03 Dec 2025 00:00:00 GMT</pubDate>
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    <item>
      <title>5X Capital: A new path for SaaS founders building for the long term</title>
      <link>https://www.lazo.us/blog/5x-capital-a-new-path-for-saas-founders-building-for-the-long-term</link>
      <description>How 5X Capital accelerates long-term SaaS growth, supported by Lazo’s financial and legal clarity.</description>
      <pubDate>Tue, 25 Nov 2025 00:00:00 GMT</pubDate>
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    <item>
      <title>Tax provider checklist: Compliance, fundraising &amp; runway protection</title>
      <link>https://www.lazo.us/blog/tax-provider-checklist-compliance-fundraising</link>
      <description>A simple checklist to protect runway, stay compliant, and be investor-ready this quarter.</description>
      <pubDate>Mon, 17 Nov 2025 00:00:00 GMT</pubDate>
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      <title>Taxes for startup businesses: What founders must know</title>
      <link>https://www.lazo.us/blog/taxes-for-startup-businesses</link>
      <description>Early tax choices can reduce your burden and keep you compliant. This guide breaks it down.</description>
      <pubDate>Tue, 11 Nov 2025 00:00:00 GMT</pubDate>
      <guid isPermaLink="true">https://www.lazo.us/blog/taxes-for-startup-businesses</guid>
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    <item>
      <title>How Sytrex scaled with confidence: Carlos’s journey with Lazo</title>
      <link>https://www.lazo.us/blog/how-sytrex-scaled-with-confidence-carloss-journey-with-lazo</link>
      <description>Discover how Sytrex partnered with Lazo to handle compliance, tax and accounting.</description>
      <pubDate>Thu, 06 Nov 2025 00:00:00 GMT</pubDate>
      <guid isPermaLink="true">https://www.lazo.us/blog/how-sytrex-scaled-with-confidence-carloss-journey-with-lazo</guid>
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    <item>
      <title>The pre-mortem of the Death Valley: how founders can spot risk before it strikes</title>
      <link>https://www.lazo.us/blog/the-pre-mortem-of-the-death-valley-how-founders-can-spot-risk-before-it-strikes</link>
      <description>Every startup goes through it. Few come out the other side.</description>
      <pubDate>Thu, 30 Oct 2025 00:00:00 GMT</pubDate>
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      <title>5 Startup financial metrics investors actually care about</title>
      <link>https://www.lazo.us/blog/5-startup-financial-metrics-investors-actually-care-about</link>
      <description>Discover the five financial metrics that truly matter to investors when evaluating startups.</description>
      <pubDate>Thu, 23 Oct 2025 00:00:00 GMT</pubDate>
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    <item>
      <title>How to incorporate as a Foreign Founder in the U.S.</title>
      <link>https://www.lazo.us/blog/how-to-incorporate-as-a-foreign-founder-in-the-us</link>
      <description>Learn how to incorporate your startup in the U.S. as a foreign founder.</description>
      <pubDate>Wed, 15 Oct 2025 00:00:00 GMT</pubDate>
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      <title>Founders Vesting Agreement: the smartest investment for your startup</title>
      <link>https://www.lazo.us/blog/founders-vesting-agreement-the-smartest-investment-for-your-startup</link>
      <description>Learn what a Founders Vesting Agreement is, how it works, and why it’s a key investment for startup.</description>
      <pubDate>Wed, 08 Oct 2025 00:00:00 GMT</pubDate>
      <guid isPermaLink="true">https://www.lazo.us/blog/founders-vesting-agreement-the-smartest-investment-for-your-startup</guid>
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    <item>
      <title>C-Corp vs LLC: What&apos;s the right structure for your startup?</title>
      <link>https://www.lazo.us/blog/c-corp-vs-llc-whats-the-right-structure-for-your-startup</link>
      <description>Discover the key differences between C-Corps and LLC. Choose the right structure for your startup!</description>
      <pubDate>Tue, 07 Oct 2025 00:00:00 GMT</pubDate>
      <guid isPermaLink="true">https://www.lazo.us/blog/c-corp-vs-llc-whats-the-right-structure-for-your-startup</guid>
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    <item>
      <title>Legal data room for startups: 2025 guide</title>
      <link>https://www.lazo.us/blog/legal-data-room-for-startups-2025-guide</link>
      <description>Legal Data Room for startups: What it is, why it matters, and how to build it.</description>
      <pubDate>Wed, 27 Aug 2025 00:00:00 GMT</pubDate>
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    <item>
      <title>The GENIUS Act: A New Chapter For Stablecoin Regulation In The U.S.</title>
      <link>https://www.lazo.us/blog/the-genius-act-a-new-chapter-for-stablecoin-regulation-in-the-u-s</link>
      <description>What Changes with the GENIUS Act?</description>
      <pubDate>Tue, 12 Aug 2025 00:00:00 GMT</pubDate>
      <guid isPermaLink="true">https://www.lazo.us/blog/the-genius-act-a-new-chapter-for-stablecoin-regulation-in-the-u-s</guid>
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    <item>
      <title>409A valuations: what they are and why your startup needs one</title>
      <link>https://www.lazo.us/blog/409a-valuations-what-they-are-why-your-startup-needs-one-and-how-to-get-started</link>
      <description>Everything your startup needs to know about 409A valuations.</description>
      <pubDate>Tue, 05 Aug 2025 00:00:00 GMT</pubDate>
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      <title>International Taxes for U.S. Startups with Global Teams</title>
      <link>https://www.lazo.us/blog/international-tax-basics-what-u-s-startups-with-global-teams-need-to-know</link>
      <description>Navigate U.S. international tax rules for startups with remote global teams or international revenue</description>
      <pubDate>Wed, 16 Jul 2025 00:00:00 GMT</pubDate>
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      <title>Preparing for your first audit: A startup&apos;s bookkeeping checklist</title>
      <link>https://www.lazo.us/blog/preparing-for-your-first-audit-a-startups-bookkeeping-checklist</link>
      <description>Get your U.S. startup ready for its first audit with our essential bookkeeping and documentation</description>
      <pubDate>Wed, 16 Jul 2025 00:00:00 GMT</pubDate>
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      <title>Is Delaware still the best option for your startup?</title>
      <link>https://www.lazo.us/blog/is-delaware-still-the-best-option-for-your-startup</link>
      <description>Compare the pros and cons to choose the best state to start your US business.</description>
      <pubDate>Thu, 10 Jul 2025 00:00:00 GMT</pubDate>
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      <title>Understanding Pass-Through Taxation: A Deep Dive for LLC and S-Corp Founders</title>
      <link>https://www.lazo.us/blog/understanding-pass-through-taxation-a-deep-dive-for-llc-and-s-corp-founders</link>
      <description>Learn how pass-through taxation impacts LLCs and S-Corps, and how it affects your personal taxes.</description>
      <pubDate>Thu, 10 Jul 2025 00:00:00 GMT</pubDate>
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      <title>Seed vs. priced round: Legal implications for fundraising</title>
      <link>https://www.lazo.us/blog/seed-vs-priced-round-legal-implications-for-fundraising</link>
      <description>Explore the legal and incorporation differences between Series Seed and Priced Rounds for startups.</description>
      <pubDate>Thu, 03 Jul 2025 00:00:00 GMT</pubDate>
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    <item>
      <title>Accruals 101: Bookkeeping Tips for Accurate Reporting</title>
      <link>https://www.lazo.us/blog/the-art-of-accruals-advanced-bookkeeping-tips-for-precise-financial-reporting</link>
      <description>Master accruals for accurate financial reporting. Advanced tips for startups and businesses.</description>
      <pubDate>Thu, 03 Jul 2025 00:00:00 GMT</pubDate>
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      <title>The FBAR vs. Form 8938: clarifying your foreign asset reporting obligations</title>
      <link>https://www.lazo.us/blog/the-fbar-vs-form-8938-clarifying-your-foreign-asset-reporting-obligations</link>
      <description>U.S. taxpayers must report foreign assets. Understand FBAR vs. Form 8938 to avoid penalties.</description>
      <pubDate>Mon, 30 Jun 2025 00:00:00 GMT</pubDate>
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      <title>C-Corp Bylaws: Essential Internal Rules For Startups</title>
      <link>https://www.lazo.us/blog/c-corp-bylaws-essential-internal-rules-for-startups</link>
      <description>Master C-Corp bylaws. Understand your startup&apos;s internal rules for strong legal compliance.</description>
      <pubDate>Thu, 26 Jun 2025 00:00:00 GMT</pubDate>
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      <title>Choosing your Registered Agent: what every U.S. startup needs to know</title>
      <link>https://www.lazo.us/blog/choosing-your-registered-agent-what-every-u-s-startup-needs-to-know</link>
      <description>Secure your U.S. startup&apos;s legal future. Learn about registered agents and vital compliance.</description>
      <pubDate>Thu, 26 Jun 2025 00:00:00 GMT</pubDate>
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      <title>Bookkeeping for SaaS: revenue recognition best practices</title>
      <link>https://www.lazo.us/blog/bookkeeping-for-saas-revenue-recognition-best-practices-and-common-pitfalls</link>
      <description>Avoid revenue reporting errors and scale your SaaS startup with confidence.</description>
      <pubDate>Thu, 19 Jun 2025 00:00:00 GMT</pubDate>
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      <title>Minimizing State Income Tax for remote-first U.S. startups</title>
      <link>https://www.lazo.us/blog/minimizing-state-income-tax-for-remote-first-u-s-startups</link>
      <description>Remote U.S. startups face complex state income taxes. Learn to minimize risks &amp; ensure compliance.</description>
      <pubDate>Thu, 19 Jun 2025 00:00:00 GMT</pubDate>
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      <title>Dissolving a U.S. Startup: legal steps, final tax returns &amp; penalty risks</title>
      <link>https://www.lazo.us/blog/dissolving-a-u-s-startup-legal-steps-final-tax-returns-penalty-risks</link>
      <description>Shut down your U.S. startup properly and avoid penalties. Here’s how to do it step by step.</description>
      <pubDate>Fri, 13 Jun 2025 00:00:00 GMT</pubDate>
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      <title>Can you use a SAFE with an LLC? What founders should know</title>
      <link>https://www.lazo.us/blog/using-safe-agreements-with-llcs-what-founders-need-to-know-about-this-funding-tool</link>
      <description>Can an LLC raise capital using a SAFE? Learn the legal and tax implications.</description>
      <pubDate>Fri, 13 Jun 2025 00:00:00 GMT</pubDate>
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      <title>What is Effective Connected Income And How It Affects Foreign Founders?</title>
      <link>https://www.lazo.us/blog/what-is-effective-connected-income-and-how-it-affects-foreign-founders</link>
      <description>Understand how U.S. taxes can apply to foreign startups through ECI and avoid costly surprises.</description>
      <pubDate>Fri, 13 Jun 2025 00:00:00 GMT</pubDate>
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      <title>Accounting for SAFE &amp; Convertible Debt: From Funding to Equity</title>
      <link>https://www.lazo.us/blog/accounting-for-convertible-debt-safe-conversions-what-happens-when-funding-converts-to-equity</link>
      <description>How to handle the accounting when SAFEs and convertible notes turn into equity.</description>
      <pubDate>Thu, 05 Jun 2025 00:00:00 GMT</pubDate>
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      <title>Tax benefits of qualified small business stock (QSBS): a deep dive for Founders</title>
      <link>https://www.lazo.us/blog/tax-benefits-of-qualified-small-business-stock-qsbs</link>
      <description>Unlock major tax savings with QSBS planning from day one.</description>
      <pubDate>Thu, 05 Jun 2025 00:00:00 GMT</pubDate>
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      <title>How to manage taxes if your startup operates in multiple states</title>
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    <item>
      <title>Understanding Gross Margin: a critical metric for SaaS startups</title>
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    <item>
      <title>Bookkeeping checklist before applying to accelerators or VCs</title>
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      <title>Build a bookkeeping system VCs can trust</title>
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    <item>
      <title>How to claim R&amp;D tax credits as a tech startup</title>
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      <title>Prepare your startup’s legal structure for due diligence</title>
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    <item>
      <title>W-8BEN Form explained: what It is, who needs it, and how to fill it out</title>
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      <title>Cash vs. Accrual Accounting for Startups: which one fits your growth strategy?</title>
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    <item>
      <title>Understanding cash flow for startups: A practical guide for founders</title>
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    <item>
      <title>What is an operating agreement?</title>
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      <title>How to file Form 1120 for your C-Corp</title>
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      <title>How to file Form 5471 for U.S. owners of foreign subsidiaries</title>
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      <description>Own shares in a foreign corporation? Here&apos;s how to file Form 5471 to avoid penalties.</description>
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      <title>Form 1065 Guide: Tax Return for Partnerships</title>
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      <title>How to Customize Performance Metrics for Your Startup to Maximize Results</title>
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      <title>How to ask for a meeting with a VC?</title>
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