SMB Compass

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SMB Compass 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.

Hand the same loan to a manufacturer, a staffing company, and a retailer, and it'll probably fit one of them.The other t...
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

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 ...
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

Waiting weeks or months for customer payments can put pressure on your cash flow.Invoice factoring offers one way to tur...
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.

A little fall cleanup can make year-end planning much easier.Before Q4 gets busy, take time to:• Update your financial r...
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. 🍂

Sometimes the opportunity comes before the cash.A large order, new location, equipment purchase, or hiring plan may requ...
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

Strong Q4 decisions start with the right questions.Before the quarter begins, look at what worked, what needs attention,...
10/03/2026

Strong Q4 decisions start with the right questions.

Before the quarter begins, look at what worked, what needs attention, what Q4 will cost, and where you want the business to go next.

These five questions can help you turn your Q3 results into a clearer Q4 plan.

Swipe through and put your business to the CFO test.

The financing landscape is shifting, and small businesses have more to consider before choosing an option.For business o...
10/01/2026

The financing landscape is shifting, and small businesses have more to consider before choosing an option.

For business owners, that means:
• Compare your options
• Understand the total cost
• Check how repayment fits your cash flow
• Choose financing based on a clear business need

The goal: know your options before you commit.

📧 [email protected] | 📞 888-853-8922

Big Q4 plans? Make sure your cash flow can support them.Before you hire, increase inventory, launch a campaign, or make ...
09/30/2026

Big Q4 plans? Make sure your cash flow can support them.

Before you hire, increase inventory, launch a campaign, or make a major purchase:
• Forecast when customer payments will arrive
• List your upcoming operating expenses
• Add the cost of your Q4 growth plans
• Identify potential cash flow gaps
• Review financing options before you need them

A profitable business can still feel squeezed when expenses come due before customer payments arrive.

Planning ahead gives you time to adjust your spending, timing, or financing strategy before committing to growth.

Know what your cash flow can support, then build your Q4 plans around it.
📧 [email protected] | 📞 888-853-8922

Q4 will be here soon. Are your numbers ready?Before Q3 ends, take a few minutes to review what’s coming next, from cash ...
09/26/2026

Q4 will be here soon. Are your numbers ready?

Before Q3 ends, take a few minutes to review what’s coming next, from cash flow and expenses to inventory, staffing, and larger purchases.

Swipe through the checklist and see where your business stands.

Finish Q3 with clarity. Start Q4 with a plan.

Start with what the money needs to accomplish.Rather than choosing the largest amount available, build your number aroun...
09/25/2026

Start with what the money needs to accomplish.

Rather than choosing the largest amount available, build your number around a specific business need.

Start with:
• Your purpose: What exactly will the financing cover?
• The full cost: Add up every expense tied to that goal.
• Your cash flow: Know what your business can comfortably repay.
• A reasonable buffer: Account for related or unexpected costs without overestimating your needs.

For example:
Inventory purchase + payroll + operating buffer = estimated financing need

A clear number gives you a better starting point for comparing financing options, repayment terms, and total costs.

The right amount should help you accomplish your goal while keeping repayment manageable for your business.

📧 [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

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