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.
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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, 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 helps 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.
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Business Loans Options
Whether you’re launching, scaling, or bridging cash flow gaps, our government contract financing companies have a loan option tailored to your goals.
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.
Business Line of Credit
Draw funds as you need them and pay only for what you use. Revolving access for payroll, inventory, and seasonal gaps.
Business Term Loans
A fixed amount over a fixed term, with predictable payments for planned investments and expansion.
Purchase Order Financing
Cover supplier costs on confirmed orders so you can fulfil them without tying up your own cash.
Government Contract Financing
Cover payroll, materials and operating costs while waiting on federal, state or local payment cycles.
SMB Compass Loan Products at a Glance
| 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 We Help Get Funded
Our business financing company works with thousands of small businesses across the country.
Business Owners
Success Stories
★★★★★
I recently worked with Clay at SMB Compass to secure a short term loan for my business, and the experience was outstanding from start to finish. Clay was a pleasure to work with. He answered every question I had, walked me through all of my options in complete detail, and made sure I understood everything before moving forward. Not once did I feel like just another transaction. As a business owner, that level of personal attention matters. I’d highly recommend Clay and SMB Compass to anyone who needs business financing of any kind. Five stars, well earned.
★★★★★
Matt and Clay were great to work with and are extremely professional. They made the process easy and were very thorough. I will definitely recommend them.
★★★★★
We had a good experience with SMB. Clay was super helpful throughout the process! Good communication!
★★★★★
Clay helped set me up with a business line of credit. Very helpful, honest and approachable. Smooth process and recommended.
★★★★★
We had an excellent experience with Clay from SMB Compass. He was able to fulfill our request within just two days and quickly got funds into our account, offering multiple easy options to connect with our bank. The application process was refreshingly simple, requiring only minimal financial documentation, and the team was friendly, helpful, and even accessible after hours. We highly recommend them to any business looking for fast and hassle-free funding.
★★★★★
I would definitely recommend SMB Compass, they helped me with a loan that lifted my business and collect my invoices. They were able to guide me in the right path of what really suited me and my business due to Clay expertise I was able to get a grasp of what I need best in my situation.
Quick Application · Loan Process
Applying for a business loan is easier than you think
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FAQs
Are small business loans hard to get?
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. Our business financing company walks you through the entire process, from filling out the initial online application to getting funded.
What are the requirements to get a business loan?
Loan requirements vary depending on the lender you’re working with and the type of loan you’re applying for. Here’s what our business financing company usually looks for from borrowers:
- 1-page online application
- 3 to 6 months’ worth of bank statements
- At least two years in business
What is federal government contract financing?
Federal government contract financing refers to financial support that helps businesses cover the upfront and ongoing costs associated with fulfilling contracts awarded by the federal government.
What disqualifies you from getting a business loan?
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
What’s the limit for a small business loan?
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
What is the minimum amount for a business loan?
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
Is government contract financing the right solution for every business?
Not always. While many businesses use government contract financing successfully, it’s important to evaluate your company’s financial situation and goals.
How to choose the best lender for a small business loan?
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.
How much does government contract financing cost?
Costs vary depending on the type of financing, the size of the government contract, interest rates, and the contractor’s creditworthiness.
When should I apply for government contract financing?
It’s often recommended to apply for financing before winning a contract. Having financing in place ahead of time positions your business to fulfill contract obligations and can strengthen your credibility with contracting officers and partners.