Low Rates. Flexible Terms. Streamlined Process
SMB Compass: Fast & Quick Lending Options for Small Businesses
SMB Compass is a business financing company that provides lending solutions to small businesses across the United States. Based in Rye, New York, the firm offers nine loan programs, including SBA loans, asset-based lending, invoice financing, equipment financing, and government contract funding. To date, SMB Compass has facilitated over $250 million in financing for more than 1,250 businesses.
Companies whose suppliers and contractors SMB Compass has financed:
About Us
What Is SMB Compass?
SMB Compass is a business financing company that provides lending solutions to small and mid-sized businesses. Founded in 2017 by Matthew Gillman, the firm structures financing across nine loan programs: business lines of credit, SBA 7(a) loans, bridge loans, invoice factoring, accounts receivable financing, asset-based lending, equipment financing, government contract funding, and term loans.
SMB Compass funds businesses across more than 16 industries, including construction, manufacturing, transportation, restaurants, medical practices, staffing, and government contracting. Individual transactions range from $25,000 to $10 million, with approval decisions typically made within 24 to 48 hours.
Written by Matthew Gillman, Founder & CEO of SMB Compass. Matthew is a business financing expert with over a decade of experience in commercial lending, specializing in SBA loans, asset-based lending, and government contract financing. Featured in American Express, Business News Daily, and Business.com. Last reviewed: 2026-03-10
Recently Funded Businesses
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Explore Your Funding Path
Business Loans Options
SMB Compass offers nine business loan products, each designed for a specific financing need, from short-term working capital to long-term SBA-backed growth loans.
SBA Loans
Perfect for business owners looking to grow, expand, or refinance with flexible repayment terms.
Invoice Financing
Turn your unpaid invoices into immediate cash flow. Get paid faster without waiting on customer payments.
Inventory Financing
Access capital to purchase inventory without draining your cash reserves. Sell more, stock smarter, and stay ahead of demand.
Asset Based Loans
Leverage your existing assets—(like inventory, equipment, or receivables) for flexible, revolving credit lines or term loans.
Equipment Financing
Easily fund new or used equipment purchases. Preserve your working capital while getting the tools you need to grow.
Explore More Options
From lines of credit to merchant cash advances, we offer tailored funding solutions to fit your unique business needs.
Government Contract Financing
SMB Compass provides working capital for government contractors (including invoice factoring, AR based lines of credit, and asset-backed lending) so prime and subcontractors can cover payroll, materials, and operating costs while waiting on federal, state, or local payment cycles.
| Loan Type | Amount Range | Min. Time in Business | Min. Credit Score | Typical Funding Speed |
|---|---|---|---|---|
| Business Line of Credit | $10,000 – $5,000,000 | 2 years | 600+ | 24 – 48 hours |
| SBA Loan | $100,000 – $10,000,000 | 3 years | 620+ | As little as 30 days |
| Equipment Financing | $25,000 – $5,000,000 | 1 year | 600+ | 24 – 48 hours |
| Asset-Based Loans | $250,000 – $10,000,000 | 2 years | No minimum required | 10 – 14 days |
| Bridge Loan | $25,000 – $5,000,000 | 1 year | 550+ | 24 – 48 hours |
| Inventory Financing | $25,000 – $10,000,000+ | 2 years | No minimum required | 24 – 48 hours |
| Invoice Financing | $25,000 – $10,000,000+ | 6 months | No minimum required | As little as 24 hours |
| Purchase Order Financing | $25,000 – $10,000,000+ | 0 years | No minimum required | 24 – 48 hours |
| Business Term Loans | $25,000 – $5,000,000 | 1 year | 680+ | 5 – 7 days |
All Business Owners
Who Do We Fund
SMB Compass has funded businesses across 16 industries, including construction, manufacturing, restaurants, medical practices, and government contracting.
Quick Application
Loan Process
Applying for a business loan is easier than you think
Apply in Minutes
Complete a simple 4-minute application to receive loan offers.
Get Multiple Loan Options
Compare rates and terms from our nationwide network of funding partners.
Get Funded
Pick the offer that works for you and get funded in fewer than 24 hours.
FAQs
No, small business loans aren’t hard to get as long as you have the right tools and resources. Here’s a list of what you need to do to increase your chances for approval:
- Know what lenders are looking for (revenue, collateral, personal and business credit score, and industry preferences)
- Decide on the type of loan for your business.
- Look for potential lenders and gather the necessary documents.
- Work with a financial advisor like SMB Compass. We’ll walk you through the entire process – from filling out the initial online application to submitting your application to our network of lenders to closing the deal.
Loan requirements vary depending on the lender you’re working with and the type of loan you’re applying for. Here’s what we usually look for from borrowers:
- 1-page online application
- 3 to 6 months’ worth of bank statement
- at least two years in business
In general, the factors that disqualify you from getting a loan are as follows:
- Limited cash flow
- Poor credit history
- Lack of a solid business plan
- A risky industry
- Insufficient collateral
- Insufficient time in business
- Missing documents or information
The loan limit depends on the type of loan you’re looking for.
- Business Line of Credit: $5,000,000
- Inventory Financing: $10,000,000+
- SBA Loans: $5,000,000
- Invoice Financing: $5,000,000
- Business Term Loans: $5,000,000
- Equipment Financing: 100% equipment value
- Purchase Order Financing: $10,000,000
- Bridge Loan: $5,000,000
- Asset-Based Loans: Up to $100,000,000
The minimum loan amount depends on the type of financing you’re looking for.
- Business Line of Credit: $5,000
- Inventory Financing: $25,000
- SBA Loans: $50,000
- Invoice Financing: $25,000
- Business Term Loans: $100,000
- Equipment Financing: 100% equipment value
- Purchase Order Financing: $25,000
- Bridge Loan: $25,000
- Asset-Based Loans: Up to $100,000,000
The first step to choosing the right lender for you is to know what you need. How much money do you need to borrow? What do you need it for?
The next step is to research and compare different lenders. Verify their credibility by checking their rating on the Better Business Bureau, reading online reviews, and looking for upfront loan terms, an official website, and contact information.
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