+1 800-627-3999 contact@cashcompasses.com
Mon – Sat: 9:00 AM – 7:00 PM (EST)

Home  /  Our Services

Our Services

Six connected financial services — loans, credit, mortgages, wealth, tax and insurance — delivered by specialists who all sit in the same building, working from the same plan for you.

Personal LoanFunds for personal goals
Credit LoanFlexible credit lines
Mortgage LoanBuy, refinance, invest
Wealth & Investment PlanningGrow and protect capital
Tax AdvisoryKeep more of what you earn
Insurance ServicesCover for every risk
Advisor explaining personal loan options to a couple at a desk
Service 01

Personal Loan

A personal loan from Cash Compasses is unsecured, fixed-rate funding you can use for almost any purpose — consolidating high-interest cards, covering a medical bill, paying tuition, funding a wedding or moving house. Because the loan is not tied to an asset, the emphasis falls on your income and credit profile rather than collateral, and we work hard to find the lender whose criteria fits your file rather than sending you through rejection after rejection.

You will see the full amortisation schedule before you sign, including the total interest payable over the life of the loan. There are no prepayment penalties, so if you can clear the balance early you keep the saving, and your advisor will model that for you at the outset.

$2,500 – $100,000Borrowing range
12 – 84 monthsRepayment terms
Same-day decisionFor complete applications
No prepayment feePay off early, pay less
  • Soft credit check to pre-qualify without score impact
  • Fixed monthly payment and a fixed end date
  • Debt-consolidation modelling against your current balances
Apply for a Personal Loan
Credit card and laptop displaying a rising credit score
Service 02

Credit Loan

Our credit loans are built for people and businesses who need capacity rather than a one-off lump sum. Choose an instalment credit loan with a predictable repayment schedule, or a revolving line of credit you can draw on, repay and draw again as your needs change — ideal for smoothing seasonal cash flow, covering supplier invoices before a project pays, or bridging an unexpected repair.

Every credit facility is reported to the major bureaus, which means disciplined use actively builds a stronger credit history for the future. We review your limit annually and will ask for an increase on your behalf only when the numbers genuinely support it — never to encourage spending you do not need.

$1,000 – $75,000Credit limits
Revolving or fixedTwo facility types
Draw when neededInterest only on what you use
Bureau reportingBuilds your credit profile
  • Structured credit-building path for thinner files
  • Business and personal facilities under one relationship
  • Automatic alerts before a rate or fee changes
Apply for a Credit Loan
Couple with house keys in front of their new home
Service 03

Mortgage Loan

Whether you are buying your first home, moving to something larger, refinancing to a lower rate or building a rental portfolio, our mortgage desk compares conventional, FHA, VA, USDA and jumbo programmes side by side. Instead of quoting a single rate from a single lender, you get a written comparison showing the rate, points, closing costs, monthly payment and total cost over your expected holding period — because the cheapest rate is not always the cheapest loan.

We are equally useful when a file is complicated: self-employed income, recent job changes, gifts from family, a low down payment or past credit events. Our team prepares the file properly the first time, which is why our clients close faster and with fewer surprises at the closing table.

Fixed & ARM15, 20 and 30-year terms
3% – 20% downFirst-time buyer friendly
Rate-buydown modellingSee the break-even clearly
Refinance reviewsWe call you when it pays
Start My Mortgage Enquiry
Advisor showing an investment growth chart to a client on a tablet
Service 04

Wealth & Investment Planning

Wealth building is not about chasing the hottest fund; it is about matching the right mix of assets to a timeline you can actually stick to. We begin with a full financial plan that maps your income, spending, debts, goals and risk tolerance, then build a portfolio around it — typically a low-cost, diversified combination of index funds, bonds and cash reserves, adjusted as your life changes.

Alongside the portfolio we handle retirement projections, employer 401(k) optimisation, IRA and Roth conversion analysis, education savings and estate basics such as beneficiary designations. You receive a written plan, a plain-English explanation of every recommendation, and an annual review that keeps the strategy aligned with reality rather than with last year's assumptions.

Goal-based portfoliosBuilt around your timeline
Retirement projectionsKnow your number
401(k) & IRA guidanceTax-aware account choices
Annual rebalancingDiscipline over drama
Build My Investment Plan
Tax forms, calculator and laptop on an accountant's desk
Service 05

Tax Advisory

Most tax bills are decided long before the return is filed. Our tax advisory service works through the year — not just in April — reviewing how your income is earned, how your business is structured, which deductions and credits you qualify for and where timing can legitimately reduce what you owe.

For individuals that means coordinating withholding, capital gains, charitable giving and retirement contributions. For business owners it means entity structure, depreciation strategy, quarterly estimates, payroll considerations and clean records that stand up to scrutiny. We prepare and file federal and state returns, represent you if the IRS asks questions, and give you a written summary of what changed and why.

Year-round planningNot just filing season
Federal & state filingIndividual and business
Entity structuringSole trader to S-corp
Audit supportRepresentation included
Request Tax Advisory
Insurance advisor handing a policy document to a young family
Service 06

Insurance Services

Insurance only works if the cover matches the risk. We start by quantifying what your family would actually need — replacing income, clearing a mortgage, funding education, covering a business interruption — and then compare life, health, auto, home, disability and business policies against that number.

Because we review policies across multiple carriers rather than promoting one brand, you see the exclusions, waiting periods and claims reputation behind every quote. Existing clients get an annual re-shop: if premiums have crept up or your circumstances have changed, we will move you to better cover and handle the paperwork on your behalf.

Life & disabilityTerm, whole and income cover
Home & autoBundled and standalone
Health & medicarePlan comparison support
Business coverLiability and key person
Review My Insurance Cover
Questions

Answers before you apply

The questions our Doral office hears most often. If yours is not here, call +1 800-627-3999 or send it through the contact form.

Ask A Different Question

No. Pre-qualification uses a soft enquiry that is visible only to you. A hard enquiry is made only when you decide to proceed with a specific lender, and we will always tell you before it happens.

Personal and credit loans typically fund within 24 to 72 hours of a complete application. Mortgage timelines depend on the lender and property, but the majority of our purchase files close in three to four weeks.

The first consultation is free. Loan and mortgage work is typically paid by the lender or provider, while investment, tax and advisory engagements are quoted as a transparent flat or annual fee before any work begins. Nothing is ever deducted without your written approval.

Yes, and it is often the best approach. A mortgage review, tax position and insurance cover are connected, so clients who combine services usually get a better overall outcome than those who shop for each one separately.

We do. Cash Compasses serves clients in all fifty states from our Doral, Florida office, with documents signed electronically and consultations held by phone or video where that is easier for you.

Not sure which service you need? Start with a conversation.

Tell us what you are trying to achieve and we will point you to the right option — even if that option is to do nothing at all right now.

Contact Our Team Read Our Blog