Access
Did this client see options that wouldn't have been on their radar otherwise — including state programs, SBA pathways, or non-obvious lenders?
Our mission
Help small businesses leverage what others overlook.
Most lending teams have one product to sell. Most owners are too busy to chase three. Prime Edge Advisory exists to sit in the middle — with the state partnerships, the underwriting fluency, and the operating experience — so the right capital lands in the right hands at the right terms.
The story
We started Prime Edge after watching the same thing happen, again and again.
A solid, profitable small business — restaurant group, plumber, manufacturer, retail brand — would walk into a bank and walk out with a quote that didn't reflect the strength of their operation. A few weeks later, the same owner would land on a high-cost merchant cash advance because nobody had told them about the state program they actually qualified for.
In 2014, our founder Jayden Brooks left a community bank underwriting seat to do something about it. The thesis was simple: small businesses don't need more lenders. They need someone in their corner who knows which door to knock on, what paperwork the underwriter actually wants, and how to use the money once it lands.
Twelve years later, that thesis is still our entire business. We've placed more than $140M in capital, advised owners across 38 states, and built the FFSB program — Flexible Financing for Small Businesses — by partnering directly with state agencies that wanted a competent middle-market for their programs.
"We are not a lender."
Prime Edge is an independent advisory firm. We don't have a product to sell. Our incentives are aligned with our clients — if a competing offer is better, we say so and route you there.
"Capital is a tool, not a trophy."
Funding without a plan is just expensive money. Every FFSB engagement includes operating advisory — cash flow modeling, hiring sequencing, back-office setup — so the new capital actually changes the trajectory of the business.
Three pillars
How we measure ourselves.
Internal scorecards aren't just deal volume. We grade each engagement on three things — and review them quarterly with the team.
Fit
Did the structure match the situation? A line of credit isn't always the answer. Sometimes the answer is "don't borrow at all yet."
Outcome
Twelve months later, was the business healthier, the books cleaner, and the owner less anxious about cash? That's the only outcome that counts.
Our values
What's actually written on the wall.
We didn't pick these from a values workshop. They came out of tough conversations with clients we wish we'd handled differently.
Tell the owner the truth.
Even when the truth is "this loan is wrong for you" or "your numbers won't underwrite right now." We'd rather lose a fee than place a bad deal.
The packaging matters.
The same business presented two different ways gets two different answers. We treat the file like our own.
Stay after the wire hits.
Most advisors disappear at funding. We stay engaged through the first 90 days minimum — because the first 90 days are where the plan either works or doesn't.
Don't be the smartest person in the room.
Owners know their business better than we do. Our job is to bring the financing and the math, not to lecture.
Our commitments
What every FFSB applicant gets, in writing.
No application fee, ever.
Intake, file review, and offer comparison are at no cost. We're paid only when a transaction closes — and only by the lender, never the owner directly.
Full disclosure of every offer.
You see every term sheet we receive on your behalf — even the ones we recommend against. Decisions belong to the owner.
No hard credit pull at intake.
We do not run credit when you apply. Credit is only pulled when an offer is on the table and you authorize it.
Plain-language paperwork.
Every closing document gets a one-page plain-English summary. If we can't explain it in a paragraph, we won't ask you to sign it.
Operations advisory included.
Every FFSB closing comes with a 90-day post-funding advisory window — cash flow, hiring, back-office, whatever you need.
State program annual review.
We re-check eligibility every year. New state programs launch all the time, and old ones change. We track them so you don't have to.