TF inter

Accounting Questions and Answers

102 questions answered by TF inter · page 1 of 2

Here are the main questions from people who want to open, fix or run a company in Brazil. The answers are short and direct. The newest ones come first.

What were the tax and accounting updates for 06/25/2026?

Check out the summary of the main tax and accounting updates for 06/25/2026, prepared by the TF inter team.

Receita Federal: The Receita Federal begins publishing the first taxpayers classified as Habitual Debtors (Devedores Contumazes), seeking to curb structured default and promote fair competition in the economy. Executive declaratory acts and consultation rulings on social security contributions were published, including the responsibility for withholding social security contributions on payments of court-ordered debts (precatórios) and Small Value Requisitions within the scope of the State Justice.

Reforma Tributária: Complementary Law No. 214, of January 16, 2025, establishes the Tax on Goods and Services (IBS), the Social Contribution on Goods and Services (CBS), and the Selective Tax (IS), and creates the IBS Management Committee, amending the tax legislation.

Others: The Receita Federal launches a page on Habitual Debtors (Devedores Contumazes) and expands fiscal transparency and control, providing a list of habitual debtors and guidance for monitoring and tax regularization. The Receita Federal also launches a new edition of the Journal of Tax and Customs Studies (Revista de Estudos Tributários e Aduaneiros), discussing challenges in the tax field and encouraging the exchange of knowledge in a scenario of changes to the tax system.

Want to know how these changes affect your company? Talk to the TF inter team.

What documents do I need to gather to open my company?

The basics are simple. You need a CPF (individual taxpayer ID), an ID document, proof of address, and the definition of the company's address. Then comes choosing the name, the activities (the CNAEs, or business activity codes), and the type of company. If there's a partner, each one sends the same documents. TF inter puts together a tailored list for your case, because people doing business across countries almost always need extra paperwork, such as a power of attorney for a representative in Brazil. We review everything before filing, so the process doesn't get stuck over a small detail.

How much does it cost to open a company in Brazil?price may change

The cost has two parts. One is the government fees, such as registration with the Junta Comercial (Board of Trade) and licenses, which vary by state and by activity. The other is the accounting service that handles the process. These amounts change frequently, so the right move is to confirm the current amount with TF inter's accountant for your case. We provide a clear quote, with no surprises. Since we serve clients in several countries across the Americas, we already explain the costs with people who send money from abroad to invest here in mind.

How long until my company is ready to operate?price may change

It depends on the state, the type of company, and the licenses the activity requires. Some registrations come through quickly; others require approvals that take more days. Since deadlines change depending on the agency, the ideal thing is to confirm the current timeframe with TF inter's accountant for your city. What we guarantee is speed: we submit the right documents the first time, with no back and forth. For those outside Brazil with a client waiting, this care saves weeks of delay at the start of the business.

Can you show me the step-by-step of how to open the company, from start to finish?

It goes like this. First, we choose the type of company and the activities. Then we define the name and draw up the articles of association. Next we file with the Junta Comercial and obtain the CNPJ. Finally come the municipal and state registrations and the licenses, if the activity requires them. TF inter guides each stage for you and lets you know when something is needed. You don't have to know the procedures by heart. Just answer our questions, even from another country, and watch the company come to life.

Do I need a business address or can I use my home address?

Both are possible, but with rules. Many cities allow using a home address for certain activities, especially services. Others require a commercial location or won't grant the license in a residential area. For those living outside Brazil, this address deserves extra attention. TF inter checks the rules of your city before registering and suggests the best option, including a fiscal address when it makes sense. The idea is to avoid problems with the city government down the road and keep your company 100% compliant.

My CNPJ became inactive while I was living abroad. How do I resolve this remotely?

You can resolve it without returning to Brazil. The CNPJ becomes inactive (inapto) when the company fails to file mandatory declarations for an extended period. TF inter serves you by video, whether you're in Chile, Mexico, or the United States. We identify what's outstanding and file the missing declarations. As soon as the omissions are regularized, the Receita Federal (Federal Revenue Service) usually reactivates the CNPJ automatically, within a few business days. You follow everything online, in your own time zone. This is common among people running businesses across the Americas who left their company idle here. We organize it and give you back your active CNPJ.

What's the difference between an inactive, suspended, and closed CNPJ? I get confused.

These are different situations. Inactive (inapto) is when the company failed to file mandatory declarations for an extended period. Suspended is usually something temporary, tied to some pending issue or inconsistency in the registration that needs adjusting. Closed (baixado) is the CNPJ terminated for good, which ceases to exist. Each one requires its own path to fix. TF inter looks at the real status of your CNPJ, explains in simple words where it stands, and tells you what to do. That way you don't waste time addressing the wrong problem, wherever you are on the continent.

I have a company in Brazil but live in the United States. Do I need to close the CNPJ or can I leave it idle?

Leaving it idle usually costs a lot. Even without revenue, the CNPJ has annual obligations. Ignoring this generates fines and, over time, makes the company inactive. If you're no longer going to use it, formally closing it ends everything and stops the problem from growing. If you plan to use it again, we keep it up to date. TF inter talks with you, understands your plan across the two countries, and recommends the best path. We handle the closure or the full maintenance, without you coming to Brazil.

I found old debts on my CNPJ (business taxpayer ID). Can I set up a payment plan even while living abroad?price may change

Yes, you can. Tax debts can be paid in installments through the Receita Federal (Brazil's federal tax authority) or the Attorney General's Office, split into several payments. The number of installments and the terms change depending on the program in effect. That's why it's worth confirming the amount and current rules with a TF inter accountant. We map out everything you owe, choose the payment plan that fits your budget, and handle the enrollment for you. You pay from abroad without any hassle and track each installment through the dashboard, in your own language and time zone.

How long does it take to reactivate a CNPJ that was flagged by the Receita Federal?price may change

It depends on how much has piled up. If only a few filings are missing, it's usually quick. If it's been inactive for many years, it takes longer, because we need to bring each year up to date, working backward. Once the filings are submitted, the Receita Federal generally reactivates the CNPJ automatically, within a few business days, but the timeline can vary depending on the case. That's why we confirm a realistic timeframe for your case with a TF inter accountant. What we guarantee is clarity: we analyze it, give you an honest timeline, and don't disappear halfway through. We've already reactivated CNPJs for clients all across the Americas, from Canada to Argentina.

I opened a company in Brazil to sell to another country in the Americas, but I never filed anything. Is it serious?

There's a solution, but the sooner the better. Not filing builds up pending issues and can make the CNPJ inactive, which blocks invoice issuing and even payments coming in. For those selling between countries, this disrupts contracts and international payments. TF inter organizes everything that fell behind, brings the filings up to date, and gets the company back in good standing. Then we set up a simple routine so the delays don't happen again. That way your business across the Americas runs clean again, with the CNPJ ready to invoice abroad.

If I bring my inactive CNPJ back into good standing, do the debts disappear automatically?

No. These are two separate things. Getting the company out of inactive status requires submitting the missing filings. The tax debts, on the other hand, continue to exist until they're paid or set up in a payment plan. One doesn't cancel the other. TF inter handles both fronts together: first we understand why it became inactive, submit what's missing, and, at the same time, take care of the debts through a payment plan. In the end, you have an active CNPJ and your debts under control, all resolved from wherever you are in the Americas.

I closed my CNPJ but I want to go back to doing business in Brazil. Can I reopen the same company?

A closed CNPJ doesn't come back into operation; it has been terminated. To do business again, we open a new company, with a new number. The good news is that this can be done right from the start in the right setup for your international business. TF inter builds the new company with those who operate between countries in the Americas in mind, choosing the tax framework that makes it easier to sell and receive payments abroad. We handle the entire opening remotely. You start fresh and organized, without inheriting the pending issues from the old company.

I'm abroad and I don't even know how much my company owes. How do I get this assessment done?

It starts with a full review of your situation. TF inter accesses the official systems, checks for pending filings, debts, and the status of the CNPJ. We put together a clear snapshot of what exists and what needs to be done, without complicated technical jargon. You receive it in writing and we talk over video, in your time zone. Only then do we define the plan to get you back in good standing and the cost. We do this assessment for clients throughout the Americas, without requiring anyone to catch a flight to Brazil.

What is the Simples Nacional and why does it matter for those doing business between countries?

The Simples Nacional is a simplified tax regime for micro and small businesses in Brazil. Instead of several separate payment forms, it combines multiple taxes into a single document, the DAS, paid once a month. For those doing business between countries in the Americas, this helps keep the Brazilian base organized while you focus on your international operation. TF inter takes care of your Simples and keeps track of the money coming in and out of the continent, without you getting lost in the internal red tape.

Can my company join the Simples Nacional even if it sells outside Brazil?price may change

Yes. Exporting doesn't prevent you from being in the Simples Nacional; that's a common myth. There are rules and limits to follow, and some activities are excluded from the regime. TF inter analyzes your case, the type of service or product, and where you sell to. Since we operate throughout the Americas, we understand cross-border operations. Confirm the current limits and conditions with a TF inter accountant before deciding.

How do those Simples Nacional annexes work?price may change

The annexes group companies by type of activity: commerce, industry, and services fall under different annexes, and each one has its own table of rates. Getting the right classification changes how much you pay, so making a mistake here is costly. For services, the annex can also depend on the Fator R (R Factor), the ratio between payroll and revenue. TF inter studies what your company actually does and places you in the correct annex. The rates and brackets change, so confirm the current values with the TF inter accountant.

What is the DAS and how do I pay it?

The DAS is the single collection form of the Simples Nacional. Instead of several payment slips, you pay just one per month, which brings together federal, state, and municipal taxes. The amount depends on your revenue and your annex, and it is due on the 20th of the month following the assessment. TF inter generates your DAS every month, checks the calculation, and reminds you of the deadline, so you don't miss it while you focus on your cross-border business. If you have any questions about amounts or dates, confirm with the TF inter accountant.

What is the revenue limit to stay in the Simples Nacional?price may change

The Simples Nacional has an annual revenue ceiling for the domestic market. If you exceed that amount, you have to change your tax regime. There is also a separate limit just for exports, which is assessed apart from domestic revenue, and this really helps those who sell abroad. TF inter closely monitors both of your limits, month by month. The values change over time, so confirm the current ceiling with the TF inter accountant.

I provide services to clients in the United States. Is the Simples right for me?price may change

It may well be, but it depends on your activity and your volume. Exported services get their own treatment within the Simples Nacional, and the annex you fall under changes the rate. Since TF inter operates across the entire American continent, we already deal with people who bill in dollars every day: we classify your service and handle the foreign exchange along with the accounting. Every case is unique, so confirm the current conditions with the TF inter accountant before choosing your tax regime.

If I exceed the Simples limit in the middle of the year, what happens?price may change

Exceeding the ceiling has consequences, and they depend on how much you went over. If the excess is up to 20 percent of the limit, exiting the regime usually only takes effect the following year; above that, the effect can be immediate, starting the very next month. This directly affects how much tax you pay. TF inter monitors your revenue all year long, without waiting for a problem to arise, which prevents surprises for those growing through cross-border sales. The rules and deadlines for exceeding the limit can change, so confirm the current scenario with the TF inter accountant.

Is the Simples Nacional or another regime better for my international business?

The Simples isn't always the cheapest option, even though it has 'simples' (simple) in its name. Those who export a lot sometimes save money with Lucro Presumido (presumed profit) or Lucro Real (actual profit). The answer depends on your margin, your annex, and how much you sell abroad. TF inter runs the comparison using real numbers from your business, not guesswork. Since we operate across the entire American continent, we calculate the cross-border scenario carefully. Bring your data and the TF inter accountant will show you which path costs you the least.

How does TF inter handle my Simples if I move money in several countries?

We bring two things together: your Simples Nacional in Brazil and your international reality. We record the inflows from other countries in the Americas the right way in your accounting, handling the DAS, the limits, and the classification without forgetting the foreign exchange. That way your numbers in Brazil match what is happening abroad. TF inter was built for those who do business between countries in the American continent: you run the international operation and we handle all the tax and accounting side here at home.

What is MEI and why does it come up so much when I talk about selling outside Brazil?

MEI stands for Microempreendedor Individual (Individual Microentrepreneur). It's a simple and inexpensive way to have a CNPJ (business tax ID) in Brazil. You pay a fixed amount per month and leave informality behind. Many people who do business with other countries in the Americas start this way. But be careful: MEI has a revenue limit and its own rules. If you sell or buy abroad, the picture changes quickly. At TF inter we analyze whether MEI works for those operating between countries, or whether it's time for another format.

I'm Brazilian, I live in the US, and I want to open a MEI (individual microentrepreneur). Does that work?

There's an important detail here. The MEI was designed for people who live and work in Brazil. Living abroad changes your tax situation and may not even allow this setup. Each case depends on where you are a tax resident. This is a point that trips up many people doing business across the Americas. TF inter understands this back-and-forth between countries. We look at your actual situation, check whether the MEI fits, and show you the right path so you don't create problems on either side of the border.

Who can be a MEI and who is left out?

You can be a MEI if you work for yourself in permitted activities. You cannot be a partner or owner of another company. You can have at most one employee. And there is an annual revenue cap. Some professions are not on the list. For those doing business across countries, the care needed is even greater: not every international activity fits within the MEI. TF inter checks your activity, your volume, and your plans. That way you know, with no surprises, whether you can register as a MEI today.

What is the annual revenue limit for a MEI?price may change

Yes, the MEI has an annual revenue cap. Once you go over that amount, you leave the MEI and move to another regime. This limit changes from time to time by law. That's why I won't pin down the number here, so I don't give you outdated data. Confirm the current amount with the accountant at TF inter. This matters a lot for those who sell abroad: money coming in from other countries also counts. We add it all up correctly and let you know before you exceed the limit.

How does the DAS-MEI, that monthly payment slip, work?price may change

The DAS-MEI (the MEI's single monthly tax payment) is made every month. It already includes INSS (social security) and a small tax (ICMS for commerce/industry or ISS for services). It's a fixed amount, not a percentage of what you earn. Paying on time secures your rights, such as retirement benefits. The exact amount changes every year because it follows the minimum wage, so confirm the current amount with the accountant at TF inter. For those who receive money from abroad, the DAS is still paid in reais, in Brazil. TF inter organizes these payment slips so you don't miss any.

What obligations do I have after becoming a MEI?

The MEI is simple, but it's not zero work. You pay the DAS every month, without fail. Once a year, you file the annual return (DASN-SIMEI) with the total you earned. You must keep your invoices and track how much comes in. If you have an employee, there are extra rules. For those doing business across countries, recording what comes in from abroad is essential. TF inter handles the annual return, the payment slips, and this tracking. You focus on selling across the Americas, and we handle the paperwork to keep things in order with Brazil.

Do I need to issue an invoice as a MEI, even when selling to a client in another country?

It depends on who you're selling to. For another company, the invoice is usually required. For a regular individual, not always. But keeping the receipt is always a good idea. When the client is in another country, things get more technical. There are specific rules for services or sales that cross the border. You can't treat it the same as a local sale. And this is where TF inter makes a difference: we know the flow across the Americas. We explain which document to use in each case, so you don't get lost.

When do I need to unregister from the MEI and leave it?

You leave the MEI when you grow too big for this setup. The common reasons are: going over the revenue limit, hiring more than one employee, or becoming a partner or owner of another company. At that point the MEI no longer fits and you migrate to another regime. This step can feel scary, but it's a sign that the business is working. Those who export to the Americas tend to grow fast and reach this point. TF inter handles this transition with you. We choose the next setup and manage the change without stopping your sales.

If my money comes from abroad, does it count toward the MEI limit?price may change

Yes, it counts, and many people are surprised by this. What matters is how much you earned in total, wherever it came from. Money coming in from clients in other countries also adds to your annual limit. There's no revenue that gets left out just because it comes from abroad. Since the cap changes by law, confirm the current amount with the accountant at TF inter. We track your income from both inside and outside Brazil. That way you know, month by month, where you stand in relation to the limit.

I have a company in Brazil and clients in the United States. Can I legally pay less tax?

Yes, you can, and without any tricks. Tax planning means choosing the legal path that pays less. TF inter looks at your revenue, the type of service you provide, and where the money comes in and goes out. Those who sell outside Brazil sometimes have specific rules that help. We set up the right structure for your case, considering both ends of the continent. That way you save without taking risks with the tax authorities. It's strategy, not luck.

Which tax regime is best for someone doing business between countries in the Americas?price may change

It depends on your revenue, your costs, and where your clients come from. In Brazil there are three main paths: Simples Nacional (simplified tax regime for small businesses), Lucro Presumido (presumed profit), and Lucro Real (actual profit). Each one charges tax in a different way. For those who export services, some regimes tend to bring more savings, because exports have their own rules. TF inter runs a simulation with your real numbers and shows the total tax in each option. Then you choose based on the math, not on guesswork. The brackets and rules change every year, so confirm the current figures with your TF inter accountant.

Is it better to pay myself through pró-labore (partner's salary) or through profit distribution?price may change

The two serve different purposes. Pró-labore is your salary as a partner and pays INSS (social security) and income tax. Profit distribution has its own treatment, which changed in 2026: there is now a withholding tax on high profit amounts and a minimum taxation for those with high annual income. In other words, profit is no longer automatically 'free.' The key is still finding the balance: a fair pró-labore plus well-organized profits, within the new rules. TF inter calculates this combination by looking at your company and your personal life. Since the limits and rates changed and are still being detailed, confirm the current scenario and what applies to you with your TF inter accountant.

I receive payments in dollars from clients abroad. Does this change my tax planning?

It changes it a lot. Receiving from abroad has its own rules and, in many cases, benefits for those who export services. But it requires the correct registration of the money coming in and the exchange transaction. Getting this wrong turns into a headache with two countries at the same time. TF inter handles the accounting with the entire continent in mind, from Brazil to the United States. We organize how the money comes in and how it appears in your taxes. The result is savings with everything properly declared. Security to grow without surprises.

Is tax planning the same thing as tax evasion?

No, it's the opposite. Evasion means hiding, and it's a crime. Planning means using the law in your favor, out in the open. You choose the right regime, the right pró-labore, and the right way to take profits. Everything declared, everything legal. TF inter only works this way: savings with full names on the paperwork. You sleep peacefully and still pay less. For those doing business between countries, this is worth gold, because two tax authorities may be watching.

I'm opening my company now to sell services across the Americas. When do I think about taxes?

Before opening, not after. Choosing the regime and the business activity already defines how much you'll pay. Starting off wrong is expensive to fix. TF inter sits down with you at the beginning and designs the right structure to serve clients in several countries. We consider your type of service, your audience, and where the money will flow. That way you start off saving and without rework. It's much cheaper to get it right than to fix it later.

My company has grown and I still use the same tax classification from years ago. Do I need to review it?

You do. A regime that was good in the beginning can become expensive when revenue rises. A company that closes deals in several countries changes size quickly. Then taxes can weigh heavily without you noticing. TF inter reviews your tax classification from time to time and compares the options with your current numbers. If it's worth switching, we show you the savings in the math. Tax planning isn't a one-time thing; it's keeping up with your growth. Reviewing is where the leftover money lives.

How do you find out where I can really save on taxes?

We start from your numbers, not from a ready-made template. TF inter analyzes revenue, costs, type of service, and which countries your clients come from. Then it simulates the tax in each regime and tests combinations of pró-labore and profits. We compare the scenarios side by side and show the total in each one. You see in black and white where the money is left over. Since we specialize in business across the continent, we find savings that a purely local firm often lets slip by.

I pay tax in Brazil and also abroad. Will I be charged twice on the same income?price may change

Not always. In the case of Brazil and the United States, there is currently no treaty in force to prevent double taxation, but the Receita Federal (Brazil's federal revenue service) recognizes reciprocity with the US: the federal tax paid there can, within the limits of the law, be offset against what you owe here. With other countries, there may be a specific agreement. In all cases, this requires accounting that understands both ends. TF inter operates across the Americas and organizes your situation so you don't pay tax twice or forget an obligation in any country. Since each country and each rule has its own details, confirm what applies to your case with TF inter's accountant.

I'm American and have never lived in Brazil. Can I still get a CPF?

Yes, it works. The CPF (individual taxpayer registry) does not require you to live in Brazil. Many people across the Americas get a CPF from outside the country to invest, buy property, or open a company here. For those living abroad, the request is made in two ways: through the Brazilian consulate or embassy in your country (using the e-Consular system), or through an attorney-in-fact here in Brazil who handles everything for you. TF inter takes care of this request for clients throughout the Americas. We organize the documents, translate what's needed, and follow through until the CPF is issued. This way you avoid back-and-forth and start your project in Brazil without a headache.

I live in Mexico and want to have a company in Brazil. Do I need to come to the country for that?

You don't need to come. A foreigner can be a partner in a company in Brazil without living here and without crossing the border. The way to do it is to appoint an attorney-in-fact in Brazil, with a power of attorney, to act on your behalf. This representative signs papers, deals with the Receita and the Central Bank, and receives official notices. TF inter sets up this structure for clients from Mexico to Chile: we appoint the legal representative, handle the power of attorney, and open the company. You run the business from wherever you are, with accounting that understands business between countries in the Americas.

What is the difference between CPF and CNPJ when a foreigner wants to invest here?

They are different things. The CPF is the individual's number. The CNPJ is the company's number. If you, as a foreigner, just want to invest, buy property, or put money in, the CPF is usually enough. If you want to open your own business in Brazil, that's when the company's CNPJ comes in. Many investors from the Americas use both: a CPF for themselves and a CNPJ for the firm. TF inter explains which one you need in your case and handles both requests, without you getting lost in Brazilian bureaucracy.

What exactly is this power of attorney that every foreigner needs to have in Brazil?

It's a document that gives someone in Brazil the authority to act on your behalf. Since you live abroad, you need a person here to sign papers, resolve pending matters, and receive official notices for you. Without this representative, many processes get stuck. The power of attorney states what this person can and cannot do. To be valid in Brazil, it usually needs an apostille (the international seal issued in your country) and a sworn translation here. TF inter helps prepare the right text, appoints who can be your representative, and advises on how to apostille and translate. This way your business between the Americas doesn't sit idle waiting for you to be physically present.

I was a foreign partner in a company in Brazil. Does that make me pay tax abroad too?price may change

It depends on your country's rules and on agreements between nations. Being a partner in Brazil can generate tax here on the profit, and your country may also want to charge tax on the money you receive. Some countries in the Americas have an agreement to avoid charging twice. Since this changes depending on the country and the law at the time, it's best to confirm the current rules and amounts with TF inter's accountant. We look at both sides of the border and build the plan that is lightest on your pocket.

How does a document made in the United States become valid here in Brazil?

A foreign document, such as a power of attorney, is not valid on its own in Brazil. It needs to go through two steps. First, it must get an international seal called an apostille, done in the country of origin. Then, it must be translated by an official (sworn) translator here in Brazil. Only then do Brazilian agencies accept it. TF inter guides clients from the Americas through each step: we tell you where to apostille, appoint a sworn translator, and check that everything is correct. This prevents your document from being rejected and delaying the opening of your company or your investment in Brazil.

I'm an investor from Colombia and want to buy an apartment in Brazil. Where do I start?

The first step is the CPF. Without it, you cannot buy property or register the purchase in your name. Next comes sending the money in a registered way, so the amount enters Brazil legally. This matters when it's time to sell or send the profit back to Colombia. TF inter supports investors from across the Americas on this journey: we get your CPF, advise on sending the money, and handle the accounting side. You buy with confidence, knowing that the exit of the capital will also be in order.

If I'm a foreigner and want to close my company in Brazil and leave, is it complicated?

It can be done, but it takes care. Closing a company in Brazil isn't just about stopping work. You need to settle taxes, file final returns, and formally deregister with the right agencies. If something is left open, the debt can follow the partners, even outside the country. That's why it's worth having a representative here until the end. TF inter closes companies for foreign partners calmly: we review pending issues, deregister everything correctly, and let you know when it's 100% closed. That way you leave Brazil with peace of mind, with no surprises knocking on your door back in the Americas.

Do I need to open a bank account in Brazil to be a partner or invest here?

In most cases, yes. The company usually needs a Brazilian account to receive, pay, and move money. For an individual investor, the account helps with receiving profits and organizing their financial life here. Banks require a CPF (individual taxpayer ID) and often a representative in the country. This varies from bank to bank. TF inter guides clients from the Americas on which documents to bring and how to prepare for that conversation with the bank. We don't open the account for you, but we get everything ready so the bank says yes.

I'm Brazilian but I do business in the United States and Chile. Do I need a digital certificate for my company here?

Yes. If your company is Brazilian, it issues invoices and signs documents with the e-CNPJ (digital certificate for the company's tax ID), even if it earns revenue abroad. The certificate doesn't change because you sell to another country in the Americas. It identifies the company before the Brazilian government. At TF inter, we handle this with your international operation in mind: your certificate stays up to date while you focus on clients across the continent. We organize the tax side here so you can negotiate with peace of mind abroad.

What's the difference between e-CNPJ and e-CPF, in practice, for those who import and export?

The e-CPF represents you as an individual. The e-CNPJ represents your company. Those doing business between countries in the Americas use the e-CNPJ a lot: it signs invoices, accesses the Receita Federal (Brazil's federal revenue service), and unlocks foreign trade systems on behalf of the company. The e-CPF is for your own acts, as a partner or self-employed person. When in doubt, TF inter analyzes your operation and tells you which certificate you actually need, without wasting money.

A1 or A3? Which one should I choose if I travel a lot between countries in the Americas?

The A1 is a file installed on your computer or in the cloud. You can access it from wherever you are—great for those who travel across the continent. The A3 is on a card or physical token that you need to carry around. For those who cross borders and work from several places, the A1 is usually more practical. TF inter helps you decide based on your routine and even handles the installation, so you don't get stuck in the middle of a negotiation abroad.

Can I issue the digital certificate online, without going to a physical location?price may change

In many cases, yes. Today there's validation by video conference, done online, without leaving your home or office. It usually requires a photo ID, such as the CNH (Brazilian driver's license), and not every case qualifies. The rules on who can do it 100% online change over time. So, confirm the current step-by-step with your TF inter accountant. We point you to the best option for your case and follow the issuance along with you.

When does my digital certificate expire? I'm afraid of finding out too late and being unable to issue invoices.

Every certificate has an expiration date. Once that date passes, it stops working and you can't sign or issue invoices until you renew. Those operating between countries can't afford that: a single day down delays clients abroad. At TF inter, we track that date for you and give you advance notice to renew before it expires. That way your revenue across the continent doesn't come to a halt over something simple that's easy to forget.

I opened a company in Brazil to serve clients in Latin America. Do I need the certificate right away?

In most cases, yes. As soon as the company starts issuing invoices and filing returns, it already needs the e-CNPJ, and that usually happens very early on. Without it, you're stuck and can't invoice. Those who want to sell abroad quickly can't wait. TF inter already includes certificate guidance when setting up the company. You come out ready to operate in Brazil and sell to your neighbors across the continent without any surprises.

I also use an accountant in the United States. Does the Brazilian digital certificate work for the obligations over there?

No. The Brazilian digital certificate is valid for the Brazilian government: Receita Federal (Brazil's federal tax authority), invoices, and local systems. Each country has its own means of signing and identification. Your accountant in the United States uses the rules over there. What TF inter does is handle the entire Brazilian side with the e-CNPJ (digital certificate tied to your company's tax ID) and coordinate with whoever handles the other country. That way, both ends of your operation across the continent stay aligned.

Can I keep my A1 certificate stored in the cloud so my team can issue invoices from any country?

Yes, the A1 can stay in the cloud, and this helps teams spread across the continent work together. But be careful: whoever holds the certificate signs on behalf of your company. You need control over and trust in who accesses it. TF inter helps you organize this use securely, defining who operates the certificate and how. You gain the agility to invoice from several countries without losing control of your digital identity.

How much does a digital certificate for my company cost, and how long is it valid?price may change

The certificate is sold in periods, usually valid for one or more years, and the price varies according to the type (A1 or A3) and the duration. Since these amounts change from time to time, I won't lock in a number here. Confirm the current price and validity with your accountant at TF inter. We compare the options and recommend the one that makes sense for those operating across the continent, without paying for a term or feature you won't even use.

What does TF inter's monthly accounting actually do for my business?

Monthly accounting takes care of your company month by month, without stopping. TF inter records your revenue, organizes your documents, and calculates the correct taxes. We also file the obligations with the government and keep everything in order. Our differentiator is understanding those who sell or buy between countries in the Americas. We handle the day-to-day accounting and also help you grow without any surprises from the tax authorities. You're free to run your business.

My company sells to other countries in the Americas. Does TF inter handle this type of operation?

Yes, this is exactly our focus. TF inter was created for those doing business between countries across the American continent. We understand inflows and outflows of money from abroad, service exports, and sales to other countries. Each international operation has a different accounting and tax rule. We organize everything so your business doesn't get fined or pay more tax than it should. You sell abroad, and we take care of the accounting side here at home, securely.

What are those so-called ancillary obligations that every accountant talks about?

Ancillary obligations are declarations and information that the company sends to the government, some every month and others once a year. They report what the company sold, bought, and paid in taxes. It's not the tax itself, but the information about it. If you're late or make a mistake, a fine usually follows. TF inter files these declarations on time for you. For those operating between countries, there are extra obligations regarding money coming in and going out of the country. We take care of those too, without letting anything slip through.

How does your monthly fee work?price may change

The monthly fee is a fixed amount you pay each month for our accounting work. It covers the handling of taxes, payroll, declarations, and support from your accountant. The price changes according to the size of the company, the volume of invoices, and whether you do operations with other countries. International business requires more attention, so that factors into the calculation. To find out the right amount for your case, confirm the current monthly fee with your accountant at TF inter. We make a clear proposal, with no surprises.

I have registered employees. Do you handle payroll?

Yes, TF inter handles the entire payroll. We calculate the salary, deductions, and charges for each employee every month. We generate the payment slips for you and take care of vacation, the year-end bonus (13th salary), and hiring. We also handle the declarations related to employees. If you have people working in international operations, we help you understand each situation. You just pass us the information, and we deliver everything correctly and on time. That way, you avoid errors with the worker and with the government.

I'm thinking about switching accountants. Is it a hassle to do that?

Switching accountants is simpler than it seems. TF inter handles almost everything for you. We collect your company's documents from your former accountant and check that everything is up to date. You just sign an authorization and we take care of the transition. There's no need to pause your business or wait for the year to start. For those with cross-border operations, we do an extra review of what's already been done. The switch happens smoothly and with no risk to you.

If I miss a filing deadline, what really happens?price may change

Missing a deadline usually results in a fine and, when taxes are overdue, interest as well. The more time passes, the bigger the bill gets. In some cases, the company runs into trouble getting clearance certificates or closing deals. That's why TF inter tracks all your deadlines for you and sends advance reminders. Those who do international business have extra deadlines that many people forget. We keep an eye on those too. Fine amounts and percentages vary depending on the obligation, so confirm the current figure with your TF inter accountant.

I'm a MEI (individual microentrepreneur) and I want to become a bigger company. Does TF inter support me through this change?price may change

Yes, we support you every step of the way. When a MEI grows, the time comes to become a larger company, such as a Microenterprise. TF inter handles this change and takes over all your monthly accounting. We explain what changes in taxes, payroll, and filings in a simple way. If your growth comes from sales to other countries, that calls for special care that we master. Revenue limits may change over time, so confirm the current amounts with your TF inter accountant.

Why choose TF inter and not a regular accountant in my town?

A regular accountant handles the local basics well. TF inter does that and goes further: we understand business between countries across the Americas. If you sell, buy, or provide services to another country, each currency and each rule changes your accounting. Many firms don't know how to handle this, and you pay the price later. We speak the language of international trade and the language of the Brazilian tax authorities. You gain a partner who sees your business both inside and outside Brazil.

I have clients in Brazil and in the United States. If I register my brand with the INPI, is it valid in both countries?

No. Registration with the INPI (Brazil's National Institute of Industrial Property) protects your brand only in Brazil. Each country has its own registration office. If you sell to the United States, Mexico, or Argentina, you need to register there too. It's common for a company to lose its brand in another country because it registered only here. TF inter sees your business across the entire continent. We help you plan where to register first, based on the countries in the Americas where you operate. That way your brand is protected where the money comes in.

Why should I register my brand? I've been using the name for years.

Using it for years guarantees nothing. Whoever registers first with the INPI becomes the legal owner of the name. Without registration, another company can register your brand and make you stop using it. This has already happened to many people who exported and saw a competitor take their name. Registration gives you the right to sell, license, and defend the brand in court. For those doing business between countries in the Americas, that's worth its weight in gold. TF inter handles this application together with the accounting side.

How long does it take to get a brand registered with the INPI?price may change

The INPI process has several stages: application, publication, a window for third parties to challenge it, and the final review. It usually takes quite a while, sometimes more than a year. But the exact timeframe changes depending on the office's backlog and the type of brand. It's best to confirm the current timeframe with your TF inter accountant. One important tip: protection starts on the application date, not on approval. That's why anyone planning to grow across the Americas should register early, before expanding to other countries.

What are these brand classes? Do I need to choose several?

Classes group the types of products or services your brand covers. For example, clothing is in one class, software in another, consulting in another. You register your brand in the classes that match what you sell. If you operate in different areas, you may need more than one class. Choosing the wrong one leaves gaps for competitors. TF inter helps you map out the right classes, even considering what you plan to sell in other countries in the Americas in the future. That way the registration keeps pace with your growth.

How much does it cost to register a trademark with the INPI?price may change

The INPI (Brazil's Patent and Trademark Office) charges fees for each step and for each registered class. There are discounts for small businesses and individuals in some situations. But the amounts change from time to time, so it's not worth locking in a number here. The right move is to confirm the current amount with your TF inter accountant before filing the application. Beyond the fee, think about the cost of doing it right from the start. Redoing a poorly done application comes out more expensive. TF inter organizes everything so you don't pay twice.

I'm going to start selling to Mexico and Chile. Should I register the trademark there too, or does registering just in Brazil cover it?

Just in Brazil doesn't cover it. A trademark is territorial: it's valid where you register it. To sell in Mexico and Chile safely, the ideal is to register in those countries too. There's an international route that makes it easier to request protection in several countries at once. That's where TF inter comes in: we think about your trademark across the map of the Americas, not just in your own backyard. That way you avoid the surprise of discovering that someone abroad already uses your name. Planning ahead costs less than fighting later.

Once a trademark is registered, is it valid forever?price may change

Not automatically forever. Registration with the INPI has an expiration term and then needs to be renewed. If you forget to renew, you can lose the trademark and leave it free for others. The term and the renewal cost can change, so confirm what's currently in effect with your TF inter accountant. For those operating in several countries across the Americas, each registration has its own renewal calendar. TF inter tracks these dates for you, here and in the other countries where your trademark lives.

Can I register the trademark on my own, or do I need help from an accountant?

You can try on your own, but it's easy to make mistakes. Choosing the wrong class, poorly describing the product, or failing to respond to a requirement on time can sink the application. And then you lose time and money. TF inter follows the process from start to finish and connects the registration with the rest of your accounting. This matters a lot for those billing across countries in the Americas, because trademark, taxes, and company structure all go together. Having everything in the same hands avoids rework and frees you up to sell.

I did a search and it looks like no one uses my name. Can I go ahead and register right away?

Hold on. A quick search on the INPI helps, but it doesn't show everything. There are similar trademarks, in different classes, that can block your application. And if you're thinking about selling abroad, the name may be taken in another country in the Americas. Before spending on the application, a more careful analysis is worth it. TF inter does this check with you, looking at Brazil and the countries you want to reach. That way you file a stronger application and reduce the risk of getting a no down the road.

What is a holding company, explained in a simple way?

A holding is a company created to gather and hold your assets. It doesn't sell products or provide day-to-day services. Inside it you place real estate, stakes in other companies, and investments. That way your assets stay organized in one place, with clear rules. This helps a lot for those with businesses in several countries across the Americas. TF inter builds the structure with your international reality in mind. We take care of the accounting side so the holding truly makes sense, and isn't just a pretty name on paper.

How does a holding company really protect my assets?

The holding separates what's yours from what belongs to the operating company. If a business has a debt or a lawsuit, your personal real estate stays farther from the risk. It's not a magic shield, and it's not for hiding anything. It's organization with a legal basis. For those doing business across countries in the Americas, this brings more peace of mind and order. TF inter helps design this separation the right way. That way your assets stay better protected, within the law and with no surprises down the road.

Does a holding company help organize the inheritance for my children?

Yes, and that's one of the biggest reasons to create one. You distribute the holding's shares while still alive, with rules you define yourself, and you can keep the usufruct while you live. This helps avoid family disputes and reduces the probate process, which tends to be slow. A lot gets arranged beforehand, calmly. For families with assets in more than one country across the Americas, this simplifies the succession. TF inter organizes the accounting side of this transfer of wealth. We work together with your lawyer so that your wishes are respected.

Is a holding company only for the very wealthy?

No, that's a common myth. A holding company makes sense for anyone who owns a few properties, a business, or investments they want to organize. The point isn't the size of your fortune. It's having assets you want to protect and pass on in an orderly way. People doing business between countries in the Americas often benefit early on. TF inter reviews your case before recommending anything. If a holding company isn't worth it for you right now, we'll tell you honestly. Every situation is different.

I own property in another country in the Americas. Does a holding company work in that case?

Yes, and it becomes even more important. Assets spread across different countries are hard to manage on your own. A holding company helps bring together and organize those holdings. Each country has its own rules, so the structure needs to be carefully planned. That's where international experience makes a difference. TF inter operates throughout the Americas and understands this scenario. We set up the accounting looking at both sides of the border. That way you don't get lost among different laws and keep everything up to date.

What is the difference between an asset holding company and a family holding company?

The two are similar, but the focus changes. An asset holding company exists to hold and organize property, such as real estate and investments. A family holding company plays that same role, but with special attention to succession within the family. Often a single company serves both purposes at the same time. What matters is clearly defining its purpose. TF inter helps you choose the right format for your case. We also keep in mind people who have family and businesses in more than one country in the Americas.

Will I pay less tax if I open a holding company?price may change

It depends a lot on your situation, so we can't make promises. In some cases a holding company can make your tax burden more organized and predictable. In others, the benefit is more about protection and succession than about taxes. The rules have changed a lot in recent years and keep changing, and they also vary from country to country. That's why it's worth confirming the current rules and amounts with a TF inter accountant. We run the numbers for your real case before making any promises. That way you decide based on real figures, not guesswork.

How long does it take and what do I need to set up a holding company?price may change

The time varies depending on the assets involved and the documentation for each one. In general, it starts with a review of your assets and your goals. Then comes choosing the format and opening the company. Deadlines, notary costs, and fees change frequently, so it's worth confirming the current amounts with a TF inter accountant. We guide you through each step. For those with assets in several countries in the Americas, we handle the part that involves more than one jurisdiction. You don't go through this process alone.

Will a holding company make my problems disappear if I have debts?

No, and it's important to be honest about this. A holding company doesn't erase debts and shouldn't be used to deceive creditors. If it's created just to escape existing collections, the courts can undo the transfer of assets. The right goal is to organize and protect your assets legally, with planning done at the right time. The sooner you structure it, the more solid it becomes. TF inter always works within the law, without dangerous shortcuts. We advise you clearly, including when a holding company isn't the answer. We prefer the truth over a promise that brings risk.

I want to buy products from the United States and resell them here. What authorization do I need?

To import, your company needs authorization in Radar (the customs import/export licensing system), within the Portal Único Siscomex. Without it, the goods get stuck at customs. Radar has different tiers depending on the size and volume you'll handle. TF inter takes care of this from scratch: we review your case, prepare the documentation, and file the request with the Receita Federal (Brazil's federal tax authority). Since we serve the entire Americas, we already know the details for those buying from the US, Mexico, or other countries. You import; we handle the red tape.

What is Radar and why is it so talked about when it comes to importing?

Radar is the nickname for the authorization that allows your company to operate in foreign trade through Siscomex. Think of it as the key that opens the customs door. Without Radar, you can't import or export on a regular basis. It defines how much your company can handle per period, depending on the tier. TF inter explains in plain language which tier fits your business and manages the authorization. We work with clients who trade throughout the Americas, so Radar is part of our daily routine.

Is there a value limit on how much my company can import through Radar?price may change

Yes. Radar (the Brazilian foreign trade registry system) works with tiers based on financial capacity: there are tiers for smaller volumes per semester and a tier with no predefined ceiling for those who can prove greater capacity. The tier you receive depends on the financial capacity your company proves to Receita Federal (Brazil's federal tax authority). Since these amounts and the required documentation change over time, confirm the current tier with your TF inter accountant. We review your activity and request the right tier. That way you won't get stuck when your cross-border business grows.

What taxes do I pay when I bring a product from abroad into Brazil?price may change

On imports you generally pay the Import Tax (II), IPI, PIS and Cofins on imports, and state ICMS. Each product has its own tax classification, the well-known NCM, which sets the rates. Since these percentages vary by item and by state, and the tax reform is in transition, confirm the current amounts with your TF inter accountant. We calculate the total cost before you close the purchase abroad. That way you know the real price of bringing the product into Brazil.

I sell software and services to companies in Argentina and Chile. Does that count as exporting?

Yes, selling a service abroad is a service export, and it has its own tax treatment, often a favorable one. The rules for invoicing, foreign exchange, and taxes are different from sales within Brazil. TF inter organizes everything: how to issue the invoice, how to receive payment from abroad, and how to report it correctly. We serve people who bill clients in Argentina, Chile, the US, and several countries across the Americas. You grow in the international market; we keep the accounting in order on both sides.

Can I import without having an open company, just using my CPF?

For personal use and small amounts, an individual can even import through the simplified regime, but with a limit per shipment and for non-commercial purposes. To resell or import regularly, the right move is to have a company with a CNPJ and an active Radar, because importing to sell under a CPF (individual taxpayer ID) is prohibited and causes problems with Receita Federal. TF inter opens your company, chooses the tax regime, and enables Radar so you can operate properly. Since we know businesses all across the American continent, we get your structure ready to buy abroad and sell here.

How long does it take for my company to be ready to import?price may change

The timeline depends on two steps: having a compliant company with a foreign trade CNAE (business activity code) and getting the Radar enablement. The registration part is usually faster; Receita Federal's Radar review varies depending on the documentation and the tier requested. Since these timelines change, confirm the current timeframe with your TF inter accountant. We move forward on everything that depends on you so you don't lose days. Our goal is to get you importing as soon as possible, with no snags at customs.

Why hire TF inter and not just any accountant to handle my imports?

Because foreign trade has details that a regular accountant doesn't deal with day to day: Radar, NCM, foreign exchange, import taxes, and the rules of each country. TF inter is a digital accounting firm operating across the entire American continent. We think about people doing business between countries in the Americas. We handle the enablement, the cost calculation, and the tax side on both sides of the border. You talk to people who understand the international scene, without having to decode the red tape alone. That way you focus on the business.

I sell services to a client in the United States. Do I need to issue an invoice here in Brazil?

Yes. Even with the client abroad, the invoice is issued here. When you provide a service to another country, you issue the NFS-e (electronic service invoice) normally in your city. But the transaction has its own rules, such as foreign exchange and the tax treatment for exports. TF inter takes care of this for you. We organize the invoice, the amount in dollars, and the correct registration, so the money comes into Brazil cleanly. You sell to the Americas and don't get lost in the paperwork. Talk to your TF inter accountant before closing your first contract.

What's the difference between NF-e and NFS-e? I always get confused.

It's simple. NF-e is a product invoice, for a physical item you sell, like merchandise. NFS-e is a service invoice, for the work you do, like a consultation. One follows state rules. The other follows your city's rules. People who work between countries in the Americas tend to use the service invoice more, but it depends on your business. TF inter looks at your case and tells you which one to issue on each sale. That way you don't make mistakes and don't pay more tax than you need to.

Every month I'm afraid of forgetting some obligation. How do I avoid missing deadlines?

This fear is common, and we take it away from you. Every month there's a calendar of obligations: taxes, filings, and submissions. These are different dates that change depending on your tax regime. TF inter builds your calendar and reminds you before each due date. You don't need to memorize anything. You just confirm and pay. For those doing business in the Americas, this is worth gold, because a missed deadline here can disrupt a contract abroad. Leave the control with us and take care of your business with peace of mind.

I received a payment from a client in Argentina. How do I report this incoming money from abroad?

Great question. Money that comes from abroad enters through foreign exchange and needs proper registration. You show where it came from, the service provided, and the amount converted into reais. It's not complicated when someone organizes it for you. TF inter handles this path: it links the invoice, the contract, and the incoming money. That way the tax authorities see everything matching up and you stay protected. Since we operate across the entire American continent, we already know this cross-border flow. Bring us the receipts and we'll take care of the rest.

My company exports services. Does this change the taxes I pay?price may change

It does, and usually for the better. Exported services tend to have different tax treatment, because Brazil wants to encourage those who sell abroad. In service exports, several taxes may not apply. But how much actually applies depends on your tax regime and the current rules, especially in 2026, with the tax reform in transition. We can't set a percentage here. TF inter analyzes your operation across the Americas and shows what applies to your case. Confirm the amounts and current rules with the TF inter accountant. That way you take advantage of the right benefit and don't pay tax for nothing.