What are the opening hours?

Monday 8am - 8pm Tuesday 8am - 8pm Wednesday 8am - 8pm Thursday 8am - 8pm Friday 8am - 8pm Saturday 9am - 5pm

SMB Compass

Name: SMB Compass
Address: 411 Theodore Fremd Avenue STE 206, New York, NY, 10580, US
Telephone: +18888538922
Price range: $$

Call Directions Website Contact the business

Trusted business financing consultants with $150 Million+ in direct lending experience across SBA, a

Having spent our careers in direct business lending, SMB Compass was created to educate business owners on industry best practices as well as the many paths to be avoided. As passionate entrepreneurs for entrepreneurs, we lend our expertise and exclusive pulse on the market to keep our clients away from the noise and in front of the top business financing and growth strategy solutions today and moving forward. Stay away from the smoke and mirrors and navigate your business financing needs with true business lending authority on your side today.

10/29/2026

For a long time, business financing meant one conversation with one bank.

That's changed. Established businesses now have access to structures built for different needs:

• A line of credit for uneven months
• Invoice financing when customers pay slowly
• Equipment financing for a specific purchase
• Asset-based lending for larger needs backed by collateral
• Bridge financing for a short gap

None of these is automatically better than a bank loan. For some needs, a bank loan may still make sense.

The difference is that you can start with what your business needs and work backward to the structure, instead of taking the one product on the table.

More options also means more ways to pick the wrong one. If you'd like help narrowing them down, reach out.

📧 [email protected] | 📞 888-853-8922

10/27/2026

Picture two businesses bringing in the same revenue.

One is a distributor with a warehouse of inventory and a stack of unpaid invoices. The other is a consulting firm with laptops and a lease.

They may qualify for very different financing because different structures evaluate different strengths:

• Asset-based lending leans on collateral. What your receivables, inventory, or equipment are worth largely sets the amount.
• Cash-flow lending leans on earnings. Your revenue history and ability to repay carry the decision.

The distributor may fit the first. The consulting firm may fit the second.

Neither is cheaper or easier by default. Each has its own costs, requirements, and reporting.

What fits depends on what your business has more of: strong assets or predictable cash flow.

📧 [email protected] | 📞 888-853-8922

10/26/2026

The busiest quarter is often the one where cash gets tightest.

Payroll climbs, inventory orders go out, and tax bills come due, all before the year-end revenue lands.

A quick check now can show you which weeks could get tight:

• Payroll, including overtime and seasonal hires
• Inventory you'll need to order
• Invoices still unpaid, with realistic pay dates
• Year-end taxes and equipment purchases
• Revenue you can reasonably expect

Put them on a calendar. Any week where more goes out than comes in is a gap.

Some gaps close by chasing an invoice or shifting a payment date. Others may need working capital. Finding the gap early gives you more time to decide what makes sense.

📧 [email protected] | 📞 888-853-8922

10/24/2026

Worried that simply checking your options could hurt your credit?

Applying with SMB Compass is free and won't impact your credit score. You can find out where you stand, then decide what to do with that information.

The application takes about 4 minutes. Have these handy:

• How long you've been in business
• Your average monthly sales
• Your industry
• The amount you're looking for

After that, we review your business and walk you through options that could fit. You don't have to accept anything.

If a later step involves a credit check, we'll tell you before it happens.

Requirements and terms vary by business and product.

📧 [email protected] | 📞 888-853-8922

10/23/2026

A full warehouse and a thin bank balance can show up in the same week. Manufacturers know this better than most.

A lot of your business value may be tied up in:

• Invoices customers haven't paid yet
• Raw materials and finished goods
• The machines on your floor

Asset-based lending is financing secured by those assets. The amount you may qualify for is tied largely to what they're worth, which can open up more capital than your monthly earnings alone would support.

It isn't light-touch. Expect asset valuations, regular reporting, and a longer setup than many other options. It's generally built for established businesses.

If that sounds like your shop, we can look at what your assets might support. Terms vary by business.

📧 [email protected] | 📞 888-853-8922

10/15/2026

Hand the same loan to a manufacturer, a staffing company, and a retailer, and it'll probably fit one of them.

The other two could end up with payments that don't match how their business earns.

That's why the right financing depends on more than how much you can get. Look at:

• What the capital pays for
• When that expense starts earning
• What your cash flow can carry in the meantime

A machine that pays off over years calls for one structure. Six weeks of payroll calls for another.

Swipe to see how financing needs can differ across three businesses.

Not one of the three? Tell us what you're looking to cover and we'll talk it through.

📧 [email protected] | 📞 888-853-8922

10/14/2026

Business loan or line of credit? The better fit depends on how you plan to use it.

A loan generally gives you a lump sum for a specific need. A line of credit gives you access to capital as expenses come up.

Before choosing, consider your purpose, cash flow, repayment needs, and eligibility.

Swipe through for a quick comparison.
📧 [email protected] | 📞 888-853-8922

10/10/2026

Waiting weeks or months for customer payments can put pressure on your cash flow.

Invoice factoring offers one way to turn unpaid invoices into working capital sooner. But how does it work, what does it cost, and when does it make sense?

Our guide breaks down:
• How invoice factoring works
• Factoring rates and additional fees
• Different types of factoring
• Pros and cons to consider
• How it compares with other invoice-based financing options

Get the full picture before deciding whether factoring fits your business.

Read the full guide on SMB Compass.

10/09/2026

A little fall cleanup can make year-end planning much easier.

Before Q4 gets busy, take time to:
• Update your financial records so you know where the business stands
• Follow up on outstanding invoices and know what’s still coming in
• Review subscriptions and expenses for anything you no longer need
• Check inventory and plan for upcoming demand
• Set your Q4 goals and identify what you’ll need to reach them

A few organized hours now can save you a year-end scramble later.

Save this checklist and start your fall business reset. 🍂

10/08/2026

Sometimes the opportunity comes before the cash.

A large order, new location, equipment purchase, or hiring plan may require you to spend before the resulting revenue arrives.

Before moving forward, ask:
• What will the opportunity cost upfront?
• When will the new revenue actually arrive?
• Can current cash flow cover the gap?
• What would financing cost?
• Does the expected return justify the investment?

Make sure the opportunity supports your business without putting day-to-day operations under pressure.

📧 [email protected] | 📞 888-853-8922

Address

411 Theodore Fremd Avenue STE 206
New York, NY
10580

Opening Hours

Monday	8am - 8pm
Tuesday	8am - 8pm
Wednesday	8am - 8pm
Thursday	8am - 8pm
Friday	8am - 8pm
Saturday	9am - 5pm

Telephone

+18888538922

Website

http://www.smbcompass.com/

Alerts

Be the first to know and let us send you an email when SMB Compass posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.