Access
We make state-partnered programs and SBA pathways navigable for owners who don't have a CFO on staff.
Small business advisory · Established 2014
The edge small businesses need —
from people who know what to ask the state.
Prime Edge Advisory pairs small business owners with state-partnered financing and the operating playbook to use it well. Better terms than the open market, fewer surprises in the paperwork, and a team that actually understands what your week looks like.
What clients use us for
State-partnered financing
SBA & term loans
Working-capital strategy
Operations & back-office
$140M+
Capital placed for small businesses since 2014
1,200+
Owners advised across 38 states
11 days
Median time from application to first offer
4.9 / 5
Average client satisfaction rating
Our mission
Help small businesses leverage what others overlook.
Most lenders have one product to sell. Most operators are too busy to chase three. Our job is to sit in the middle — with the state partnerships, the underwriting fluency, and the operating experience — so you get the right instrument and the right plan to use it.
We started Prime Edge after watching too many strong businesses miss programs they qualified for, simply because nobody on the inside ever told them. Today, FFSB (Flexible Financing for Small Businesses) is our flagship program: a state-by-state collaboration that unlocks better-than-market terms for owners who'd otherwise be quoted retail.
Fit
Right instrument for the situation — line of credit, term, SBA, or MCA — chosen by what your business actually needs.
Outcome
Funding is the start. We stay engaged on cash strategy, back-office, and the next 18 months.
The FFSB program
Four instruments, chosen for your situation.
Through our state collaboration program, qualifying small businesses get access to terms typically reserved for larger borrowers. We start with what's actually right for your operation — not what's easiest to sell.
Lines of credit
Revolving capital for seasonal swings, payroll cushions, and inventory cycles. Draw what you need; pay only on what you use.
Term loans
Predictable financing for equipment, build-outs, hiring runs, and strategic projects with a clear payback window.
SBA loans
7(a), 504, and microloan programs — packaged correctly so the paperwork doesn't bury the deal at the eleventh hour.
Merchant cash advances
Fast, daily-receipts-based capital for the right circumstances — with honest math on whether it actually serves you.
Apply in minutes
Tell us about the business and what you're trying to accomplish. No credit pull at intake.
Coordinator review
A dedicated coordinator maps you to the right state partnership, SBA pathway, or private offer.
Decide with full math
You see every offer, every fee, and every covenant — before you sign. We stay engaged after funding.
Beyond capital
Operations & strategy advisory, paired with the funding.
Capital without a plan is just expensive. Our advisory team works with owners and operators after funding — sometimes for a few weeks, sometimes ongoing — to get the new dollars deployed well.
- Cash flow modeling that survives a slow month.
- Pricing reviews and margin work for owner-operators.
- Hiring sequencing and back-office setup (payroll, books, AP).
- State and federal program eligibility audits — annually.
- Honest rollout plans for new equipment, locations, and lines.
"They told me which loan not to take."
When we first applied, two lenders had us in their funnels with expensive offers. Prime Edge walked us through a state-partnered line of credit at almost half the cost — and then helped us set up the back-office to actually use it.
Restaurant group owner, 14 locations · Texas
"It felt like we finally had a CFO in the room."
We were quoted retail by every lender we contacted. Andy mapped us to a state program in under a week. We funded a new line, hired a controller, and finally feel like we're operating, not reacting.
Specialty manufacturer · Ohio
The people
An advisory bench that's actually run businesses.
Our coordinators come from underwriting, SBA packaging, restaurant operations, and small-business CFO seats. We hire people who've been on your side of the table.
Jayden Brooks
Founder & Managing PrincipalFormer community-bank underwriter who got tired of watching good businesses get the wrong loan. Started Prime Edge in 2014.
Kylie Tran
Head of AdvisoryFormer fractional CFO across 20+ small businesses. Leads our post-funding advisory practice.
Lisa Mendez
Director of SBA & Underwriting15 years packaging 7(a) and 504 deals. Knows which file preparer turns a maybe into a yes.
Andy Jacobs
State Collaboration CoordinatorRuns the FFSB program's state partnerships. Probably the reason you got an email about a program you didn't know existed.
Previous projects
Recent owners we've worked with.
14-location concept funds expansion at half the rate they were quoted.
Owner had three retail offers on the table. We packaged them into a state-partnered line of credit and helped restructure the back-office before the new locations opened.
$2.4MLine of credit
43%Lower carrying cost vs prior quotes
9 daysIntake to first offer
Family-owned shop replaces aging CNC equipment without diluting ownership.
Three banks declined the deal as packaged. We rebuilt the file, got it through 7(a), and rolled in working capital so the owner could finally hire a controller.
$1.65MSBA 7(a)
10 yrTerm, fully amortizing
0%Equity given up
HVAC company funds fleet upgrade through a state efficiency program.
Most lenders quoted a flat term loan. We layered in a state efficiency-rebate program the owner didn't know existed and cut the effective cost meaningfully.
$780KTerm loan
$92KState rebate stacked
22 trucksReplaced
DTC brand survives a vendor change without a panicked MCA.
A 60-day inventory gap had the founder ready to sign an expensive MCA. We swapped in a short-term working capital line and a tighter cash plan. The MCA was never needed.
$450KWorking capital line
3.2xCheaper vs the MCA quote
0Layoffs through the gap
Recent news
What's happening at Prime Edge.
FFSB expands to four new state partnerships in 2026.
Owners in additional states now qualify for the Flexible Financing for Small Businesses program — and what that actually unlocks.
Read article →What the latest SBA 7(a) updates mean for small business owners.
A plain-English summary of the rule changes, who they help, who they hurt, and how packaging matters more than ever.
Read article →Lisa Mendez joins Prime Edge as Director of SBA & Underwriting.
Fifteen years of SBA packaging experience joins the firm to lead a deeper investment in our underwriting bench.
Read article →