
Author
Carlos Gil
Founder & Editor, BestBalancesFounder, The Best Network
About Carlos
Carlos Gil is a bestselling author, entrepreneur, and digital marketing strategist with more than 15 years of experience helping businesses grow. He is the author of The End of Marketing and founder of The Best Network, a portfolio of specialized publications covering software, creator tools, ecommerce technology, email marketing, and business finance.
As an entrepreneur who has built and operated businesses, Carlos understands the importance of managing expenses, evaluating financial products, and making informed decisions about business growth.
Through BestBalances, he focuses on making financial products, pricing, fees, and business financing concepts easier to understand for freelancers, creators, consultants, and small business owners.
His editorial approach emphasizes transparent research, clear explanations, and practical comparisons that help readers understand their options before making financial decisions.
Career
Carlos has worked in digital marketing since 2008. He's held marketing roles at LinkedIn, BMC Software, Winn-Dixie, Save-A-Lot and Green Dot Bank, and founded Gil Media Group, a marketing consultancy. He also co-founded Outlaw Masks and The Hype Section.
His role at BestBalances
Carlos decides what BestBalances covers, sets its sourcing, scoring and labelling rules, and is the editor responsible for every published review and guide. Reviews are research-based: they're built from each provider's published terms and checked on a stated date. He doesn't open accounts or apply for credit to review them.
What he isn't
Carlos is not a financial adviser, Certified Financial Planner, CPA, attorney, lender or broker, and BestBalances doesn't give personal financial, tax or legal advice. When a licensed professional reviews a page, we name them on it.
Editorial independence
Affiliate commissions, sponsorships and Carlos's past work with a company don't change how a product is scored, ranked or labelled. He previously held a marketing role at Green Dot Bank; BestBalances doesn't review Green Dot products today, and if it does, that relationship will be disclosed on the page.
Reviews
Reviews by Carlos
- RampCorporate cards & spendResearch-based review81/100Verified Oct 31, 2026Ramp's $0 plan includes its corporate charge card, expense management, bill pay with free wires and same-day ACH, reimbursements, procurement, travel bo…
- BrexCorporate cards & spendResearch-based review82/100Verified Oct 31, 2026Brex pairs a corporate card that must be paid in full with bill pay, reimbursements, travel booking and a business account offering up to $6M of FDIC co…
- FoundBusiness checkingResearch-based review68/100Verified Oct 31, 2026Found is built for self-employed people.
- MercuryBusiness checkingResearch-based review78/100Verified Oct 31, 2026Mercury's free plan has no monthly, overdraft or minimum-balance fees, charges nothing for domestic or USD international wires, and offers up to $5 mill…
- RelayBusiness checkingResearch-based review82/100Verified Oct 31, 2026Relay's free Starter plan includes up to 20 checking accounts, QuickBooks and Xero integrations, free cash deposits at Allpoint ATMs, and up to $3 milli…
- BluevineBusiness checkingResearch-based review88/100Verified Oct 31, 2026Bluevine scores highest on our scorecard.
Guides
Guides by Carlos
Quarterly Estimated Taxes for the Self-Employed: 2026 Deadlines and Safe Harbor
Who has to pay, the four 2026 due dates, and the safe-harbor math that keeps freelancers and small-business owners penalty-free.
8 min read · Updated Oct 27, 2026
Business BankingHow to Separate Business and Personal Finances: A 6-Step Setup
A free EIN, a dedicated account and card, a tax reserve, and records you can defend, built from IRS and SBA guidance.
7 min read · Updated Oct 27, 2026
Business BankingFDIC Insurance for Business Bank Accounts: LLCs, Sole Proprietors and Fintech Apps
How the $250,000 limit really applies to your business, and what changes when your bank is actually a fintech app.
8 min read · Updated Oct 27, 2026
Business LoansFactor Rate vs APR: How to Compare Business Financing Costs
Why a 1.30 factor rate can cost anywhere from about 37% to over 200% a year, what some states make providers disclose, and how to compare an advance with a loan.
10 min read · Updated Oct 31, 2026
Business BankingBest Business Checking Accounts (2026): 4 Online Accounts Compared
Bluevine, Relay, Mercury and Found scored on fees, FDIC coverage, cash and wires, features and transparency — using only their published terms.
9 min read · Updated Oct 31, 2026