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Multi-service financial firm offering mortgage services, tax preparation, business planning, and retirement consulting for consumers and small businesses.
Data compiled from public sources
Infinite Financial Services is a Miami-based financial services company located at 1717 N. Bayshore Dr, STE 3252, Miami FL 33132. The company claims over 20 years of experience helping clients achieve financial health through multiple service channels. IFS positions itself as a full-service financial advisor for both consumer and business needs, emphasizing accessibility to underserved populations.
The company's service portfolio spans consumer services (mortgages, retirement planning, tax services), business services (business registration, business taxes, business planning), and tax preparation. They market mortgage solutions specifically to self-employed individuals, those with bankruptcy history, and consumers with bad credit. Their website emphasizes expedited home purchase timelines and claims to handle complex financial situations. Business clients can access tax filing, business structure consultation, and comprehensive business planning services.
IFS differentiates itself through explicit messaging around serving difficult credit profiles and marketing a "second chance" philosophy. They operate extended hours (Mon-Sat 10 AM-6 PM, closed Sundays) and provide phone-based consultation. Website testimonials highlight professional service and multiple-family client relationships. The company uses a callback request system and emphasizes free initial consultations for tax and mortgage services.
However, the profile presents significant limitations. Website content lacks specifics on loan terms, rates, APR ranges, approval timelines, or regulatory licensing details. No information appears about FHA/VA credentials, mortgage insurance options, or business loan structures. The statistics section displays placeholder zeros for "Businesses Helped," "Taxes Filed," and "Satisfied Customers," suggesting the website may be under development or not actively maintained. No verifiable regulatory or licensing information is provided, and the company appears primarily service-referral based rather than direct lender.
This is state-level context for Business Loans consumers in Miami, FL. It does not confirm that Infinite Financial Services or this specific location is licensed.
State regulator
Florida Office of Financial Regulation
Consumer protection
Status: Permitted
Rate context: 18% APR for loans under $500,000; no cap for loans $500,000 and above
Personal loans are regulated under Florida's usury laws (Fla. Stat. § 687.02). The Office of Financial Regulation oversees licensed lenders.
Status: Permitted
Rate context: Tiered rate caps under the Florida Consumer Finance Act (Fla. Stat. § 687.101-687.308): rates vary based on loan amount and structure; maximum rates generally range from 18-25% depending on loan size and repayment terms
Installment lenders must be licensed by the Office of Financial Regulation. The Consumer Finance Act establishes specific rate schedules for different loan amounts.
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
Infinite Financial Services offers 8 services including Mortgage lending for self-employed, bankruptcy cases, and bad credit applicants, Business tax preparation and filing, Business registration and startup services, Business planning and consulting, Consumer tax services and refund maximization, and 3 more.
Infinite Financial Services is best suited for Self-employed individuals or business owners seeking mortgages with flexible credit requirements, Small business owners needing bundled tax, registration, and business planning services, Consumers with bankruptcy or poor credit history exploring home purchase options, Business owners requiring comprehensive tax and business structure consultation.
Key strengths: Explicitly targets underserved populations including self-employed, bankruptcy filers, and those with bad credit; Offers bundled services (mortgages, tax prep, business planning, retirement) under one firm; Extended operating hours (10 AM-6 PM Mon-Sat) with free consultation callbacks available. Areas to consider: Website statistics show placeholder zeros for customer metrics, indicating incomplete or outdated information; No specific loan terms, interest rates, APR ranges, or approval timelines disclosed.
In the Business Loans category, comparable providers include Automotive Fresh Start Center, Cocard, Florida First Capital Finance. Each company has different strengths — compare services, pricing, and consumer complaint records to find the best fit.
CreditDoc Diagnosis
Infinite Financial Services targets small business owners and credit-challenged consumers seeking comprehensive financial services in a single location. The primary caveat is that the website provides no verifiable credentials, loan terms, rates, or regulatory information—essential data for assessing legitimacy and suitability. Prospective clients should independently verify licensing status (NMLS for mortgages, state registration for tax/business services) before engagement.
Auto lender specializing in vehicle financing for consumers with challenged credit, active bankruptcy, or no credit history. Offers direct-to-door delivery and works with multiple lenders to secure approval.
Best for: Consumers in active Chapter 7 bankruptcy seeking to purchase a vehicle during the filing process, Recently discharged bankrupts (within 1-2 years) unable to qualify for bank/credit union auto loans
Payment processing network of owner-operated ISOs offering credit/debit card terminals, mobile processing, and merchant services since 1999.
Best for: Small retail and restaurant businesses seeking payment processing with lower overhead costs, Mobile vendors, food trucks, and outdoor event merchants who need wireless or portable terminals
SBA 504 lender serving Alabama, Florida, and Georgia with fixed-rate commercial real estate, equipment, and debt refinancing loans for small businesses.
Best for: Established small business owners purchasing or expanding commercial real estate with 10%+ equity available, Companies seeking to refinance existing commercial debt at lower rates without business expansion plans
Answer 3 quick questions to see if this provider matches your needs.
1. What's your primary financial goal?
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Read guide →New to credit and lending? Here are the key terms used on this page, explained in plain language with real-number examples.
The total yearly cost of borrowing money, including the interest rate plus any fees the lender charges. Think of it as the 'true price tag' on a loan.
Lenders must show APR by law (Truth in Lending Act) because the interest rate alone can hide fees. Comparing APR across lenders is the most reliable way to find the cheapest loan.
Example
You borrow $10,000 at 6% interest for 3 years, but there's a $300 origination fee. The interest rate is 6%, but the APR is 6.9% because it includes that fee. You'd pay $304/month and $946 total in interest.
The percentage a lender charges you for borrowing their money, calculated on the amount you still owe. It's the lender's profit for taking the risk of lending to you.
Even a 1% difference in interest rate can cost you thousands over a loan's life. Lower rates mean less money out of your pocket.
Example
On a $20,000 car loan for 5 years: at 5% you pay $2,645 in interest. At 8% you pay $4,332. That 3% difference costs you $1,687 extra.
A person who agrees to repay your loan if you can't. They're equally responsible for the debt, and their credit is affected by your payment behavior.
Cosigning helps people with thin credit get approved or get better rates. But it's a huge risk for the cosigner — they're on the hook for the full amount if you default.
Example
A parent cosigns their child's $30,000 student loan. The child stops paying after 6 months. The parent is now legally required to make the payments or face collections, lawsuits, and credit damage.
How long you have to repay the loan, measured in months or years. A shorter term means higher monthly payments but less total interest paid.
Longer terms feel more affordable monthly but cost much more overall. A 30-year mortgage costs almost double in interest compared to a 15-year mortgage on the same amount.
Example
Borrowing $200,000 at 6.5%: A 15-year term costs $1,742/month ($113,561 total interest). A 30-year term costs $1,264/month ($255,088 total interest). You save $141,527 with the shorter term.
A one-time fee the lender charges to process and set up your loan. It covers their costs for underwriting, verifying your information, and preparing paperwork.
Origination fees are usually 1-8% of the loan amount and are often deducted from your loan proceeds — so you receive less than you borrowed.
Example
You're approved for a $10,000 personal loan with a 5% origination fee. The lender deducts $500 upfront, so you receive $9,500 in your bank account but owe $10,000 plus interest.
The original amount of money you borrowed, before any interest or fees are added. It's the 'real' amount of your debt.
Your interest is calculated on the principal. Paying extra toward principal (not just interest) is the fastest way to reduce your total cost and pay off a loan early.
Example
You borrow $25,000 for a car. That $25,000 is your principal. Your first payment of $450 might split as $150 toward interest and $300 toward principal, bringing your balance to $24,700.
The process where a lender evaluates your finances — income, debts, credit history, assets — to decide whether to approve your loan and at what rate.
Understanding what underwriters look for helps you prepare a stronger application. They check your DTI ratio, employment stability, credit score, and the asset's value.
Example
You apply for a mortgage. The underwriter reviews your pay stubs (income), bank statements (savings), credit report (history), and orders an appraisal (home value). This takes 2-4 weeks.
Want to learn more? Read our Financial Wellness Guides for in-depth explanations and practical advice.
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