What SMB Compass does

SMB Compass is a U.S. business financing broker and marketplace founded in 2017 by Matthew Gillman and headquartered in Rye, New York. The company connects small and mid-sized businesses with capital by routing a single borrower application to a nationwide network of funding partners, returning multiple competing loan offers that the borrower can compare and select from. It sells through a sales-led, inside-sales motion supported by lending advisors who guide applicants through product selection, and it also offers a self-serve online application flow.

Name

SMB Compass

Legal name

SMB Compass

Website

https://smbcompass.com

Company type

Private

Founded year

2017

Operating status

Operating

Headcount range

1–10 employees

Short description

SMB Compass is a U.S. business financing broker that matches small and mid-sized businesses with lenders from its nationwide network, offering nine loan programs across 16+ industries.

Ownership category

akta.pro rank

Product category

Business Financing Brokerage

NAICS

Mortgage and Nonmortgage Loan Brokers (52231), Credit Intermediation and Related Activities (522)

SIC

Loan Brokers (6163)

akta.pro primary industry

SME Lending Platforms & Embedded SME Credit (FSAKAGAJ)

akta.pro secondary industries

Equipment & Asset Finance (SME) (FSAKAGAF), SBA/Government-Backed & Development Finance Loans (FSAKAGAI), SME Term Loans & Growth Capital (FSAKAGAB), SME Business Lending (Term Loans, Lines of Credit, Overdrafts) (FSABABAB)

Keywords

• Business financing brokerage
• Small business loans
• SBA loans
• Invoice financing
• Commercial lending

Headquarters

HQ city

Rye

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Marketing or Sales, Technology or R&D, Operations

Revenue model

1. Loan Facilitation/Commission: SMB Compass generates revenue by connecting small businesses with lenders from their nationwide network of funding partners. The company acts as a broker/marketplace, earning commissions or fees from lenders when loans are successfully facilitated. They do not charge borrowers upfront for the matching service.

Pricing tiers

Go-to-market motion2 records

Distribution channels2 records

Marketing channels3 records

Core offering

SMB Compass is a business financing broker and marketplace that connects small and mid-sized businesses across the United States with a nationwide network of lending partners. The firm structures and facilitates financing through nine distinct loan programs—including SBA loans, business lines of credit, equipment financing, asset-based loans, bridge loans, inventory financing, invoice financing, purchase order financing, business term loans, and government contract financing—with individual transaction sizes ranging from $25,000 to $10,000,000+ and approval decisions typically made within 24-48 hours.

Product overview

SMB Compass is a business financing marketplace and broker that connects small businesses across the United States with a network of lending partners. The company operates nine distinct loan programs: Business Line of Credit, SBA Loans, Equipment Financing, Asset-Based Loans, Bridge Loans, Inventory Financing, Invoice Financing, Purchase Order Financing, Business Term Loans, and Government Contract Financing. These products serve businesses across 16+ industries including construction, manufacturing, restaurants, medical practices, and government contracting. SMB Compass acts as an intermediary, matching borrowers with appropriate lenders from their nationwide network and facilitating financing amounts from $25,000 up to $10,000,000+ with approval decisions typically within 24-48 hours.

Differentiator

Problem solved

Functional benefit

Products and services

• Business Line of Credit A flexible revolving credit facility providing access to $10,000–$5,000,000 in capital on an as-needed basis for small businesses. Businesses can draw funds up to their credit limit and pay interest only on amounts drawn, with rates starting at 7.99% and 24-48 hour funding. Requires 2 years in business and a 600+ credit score.
• SBA Loans Small Business Administration-backed loans ranging from $100,000–$10,000,000 for business owners looking to grow, expand, or refinance with flexible repayment terms of 10-25 years and rates starting at 6.25%. Funding available in as little as 30 days. Requires 3 years in business and a 620+ credit score.
• Equipment Financing Financing for purchasing new or used equipment, with lenders able to fund up to 100% of the equipment's total value. The equipment itself serves as collateral. Loan amounts $25,000–$5,000,000, rates starting at 5.99%, up to 10-year terms, and 24-48 hour funding. Requires 1 year in business and a 600+ credit score.
• Asset-Based Loans Loans that use business assets (inventory, equipment, receivables, real estate) as collateral rather than relying solely on cash flow and credit. Lenders can offer up to 75-85% of the asset's value. Loan amounts $250,000–$10,000,000, rates starting at 5.25%, revolving credit, 10-14 day funding. No minimum credit score required; requires 2 years in business.
• Bridge Loans Short-term temporary financing ranging from $25,000–$5,000,000 designed to meet immediate capital needs while waiting for more permanent financing to be approved. Rates start at 12%, terms 6-36 months, with funds wired within 24 hours of application. Requires 1 year in business and a 550+ credit score.
• Inventory Financing Working capital financing that uses existing inventory as collateral. Businesses can borrow $25,000–$10,000,000+ with rates starting at 7.25%, structured as either term loans or revolving lines of credit, with 24-48 hour funding. No minimum credit score required; requires 2 years in business.
• Invoice Financing Asset-based financing allowing B2B companies to borrow against unpaid customer invoices. Lenders advance 80-97% of invoice value within 24 hours, with rates starting at 12% and terms of 6-24 months. No minimum credit score required; requires 6 months in business.
• Purchase Order Financing Funding solution for businesses lacking working capital to fulfill large customer orders. Lenders pay suppliers directly to manufacture and deliver goods, with funding up to 100% of PO value. Loan amounts $25,000–$10,000,000+, rates starting at 15%, revolving credit, 24-48 hour funding. No minimum credit score and no business history required.
• Business Term Loans Traditional term loans providing lump-sum financing of $25,000–$5,000,000 with fixed repayment schedules over terms ranging from a few months to 10+ years. Rates start at 6.99% with 5-7 day funding. Requires a 680+ credit score and 1 year in business.
• Government Contract Financing Working capital solutions for government contractors including invoice factoring, AR-based lines of credit, and asset-backed lending to cover payroll, materials, and operating costs while waiting on federal, state, or local payment cycles. Addresses 30-90 day government payment cycle gaps.
• Debt Advisory

Quantifiable outcome

• Over $250 million in financing facilitated for more than 1,250 businesses

Named customers6 records

Segments5 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators6 records

Recent moves3 records

Expansion highlights4 records

Direct peers

• Fundbox: Fundbox provides working capital advances and lines of credit to small businesses, with particular strength in invoice-based financing. Comparable in SMB targeting and working capital products.
• Lendio: Lendio is a small business loan marketplace that matches SMBs with a network of lenders across products including SBA loans, lines of credit, and equipment financing. Closely comparable to SMB Compass in model, customer segment, and product breadth.
• Fundera: Fundera (a NerdWallet company) is an SMB loan broker connecting small businesses to term loans, lines of credit, SBA loans, and merchant cash advances. Same broker marketplace model, same SMB customer base, very similar product set to SMB Compass.
• National Funding: National Funding is a direct small business lender and broker offering lines of credit, equipment financing, and working capital loans to SMBs. Highly comparable on customer segment and product mix.
• Credibly: Credibly provides working capital loans, lines of credit, and SBA loans to small businesses, with a strong emphasis on speed and accessibility for sub-prime SMBs. Comparable product positioning and target customer.
• BlueVine: BlueVine provides small business lines of credit, invoice factoring, and term loans — serving a similar SMB segment with overlapping products. Differs in operating partly as a direct balance-sheet lender rather than pure broker.
• SmartBiz: SmartBiz is an SBA loan marketplace focused on smaller SBA 7(a) and PPP loans, matching SMBs to bank partners. Directly comparable to SMB Compass's SBA loan program and broker-driven SBA delivery model.

Broad incumbents

• LendingTree: LendingTree operates a much larger consumer-and-SMB lending marketplace spanning mortgages, personal loans, and small business loans. Comparable broker model at greater scale and broader scope.
• OnDeck: OnDeck is a large established online small business lender offering term loans and lines of credit directly (and now via partner channels). Comparable SMB customer and product category, but operates as a balance-sheet lender rather than a pure broker.

Others

• Accion Opportunity Fund: Accion Opportunity Fund is a nonprofit Community Development Financial Institution providing small business loans and advisory to underserved SMBs. Adjacent because it serves the same underbanked SMB segment that SMB Compass targets with inclusive underwriting.

Market position

Strengths5 records

Weaknesses2 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/channel/UCRXD1SxVqFvwoIPCIQqJOLA
• Facebookfacebook.com/smbcompass
• LinkedInlinkedin.com/company/smbcompass
• Instagraminstagram.com/smbcompass
• Xx.com/CompassSmb

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about SMB Compass