Advisory before capital.Capital that compounds.
PrimePath Business Advisory is built for established SMB and mid-market owners who are tired of transactional brokers chasing them with the wrong loan. We start with a full business assessment, a profit-leak analysis, and a cash-flow diagnostic — then design the right funding mix, only after the operations are strong enough to support it.
- Executions
- $25K – $5M+
- Median close
- 41 days
- Repeat borrowers
- 71%
Owner's translation
“The first 60 days are operations. The next 60 are capital. The quarter after that is compounding.”
- Lower your real cost of capital by refinancing out of merchant cash advance stacks.
- A capital plan that compounds across SBAs, working capital, CRE, and equipment — not one instrument treated as the only answer.
- Quarterly advisory that watches the covenants so you do not have to.
Method
The six-step Growth Engine
Every engagement runs through the same six phases. Owners move through them on a shared timeline so the diagnostic, the operational plan, and the funding all land in the right order.
- 01discover
Discover
A 90-minute working session. Owners, books, and the actual operations on the table — not a pitch deck.
- 02diagnose
Diagnose
Profit-leak analysis, cash-flow diagnostic, and an owner-grade P&L on a single page.
- 03optimize
Optimize
The 60-day operational plan. Trim the bleed before we ever speak to a lender.
- 04fund
Fund
We assemble the package. SBA, working capital, CRE, ABL, bridge, 0% — the right mix, not the loud one.
- 05scale
Scale
Funds land. The compounding begins — equipment, headcount, market, the second unit.
- 06protect
Protect
Quarterly advisory. We watch the covenants, the stack, and the score — and we re-up every cycle.
Capabilities
Twelve lending instruments.One diagnostic gate.
Run them in parallel when the operation supports it. Sequence them when it doesn't. The Growth Engine tells us which is which — never the loudest weekly caller on our desk.
SBA loans
01$250K–$5M through preferred lending partners. Faster SBA Express/SBA 7(a) routes kept clear for the right candidates.
Working capital & LOC
02Revolving lines sized to seasonality. Replaces the MCA bleed with a credit-grade top-up.
Equipment financing
03Fixed-asset-backed, terms that mirror asset life. Often the cleanest dollar an operator can deploy.
Commercial real estate
04Owner-occupant CRE, build-to-suit, multi-tenant acquisitions. Long-term fixed-rate where it fits.
Invoice factoring & ABL
05When AR is the asset, we convert it. AR concentrators and asset-based lines, no shoehorning.
Bridge, 0% credit & RBF
06Bridge to acquisition, 0% intro business credit stacks, and revenue-based financing when the cash flow supports it.
Diagnostic
Know how fundable you arebefore you ask.
PrimePath scores every engagement on a Capital Readiness Score from 0 to 100. Owners immediately see how fundable they are, the indicative envelope they qualify for, and the highest-leverage thing to fix first. This preview uses five drivers — the full assessment weighs eleven.
Move the sliders. The dial, the band, and the dollar range update live.
Capital Readiness Score
A 60-day operational plan unlocks real credit.
Five drivers
Drag these to your numbers. Watch the dial move.
The full Capital Readiness Assessment weighs these plus six more — collateral, owner credit, concentration, seasonality, projections, and legal/contracts. This preview lets you feel the diagnostic.
Trailing twelve. Anchors the loan envelope we can put in front of lenders.
What the P&L reads after your real cost stack — not the gross.
Operating cash / debt service. Lenders see this before they see revenue.
Total debt stack vs annualized revenue. We refi out of MCAs first.
Months operating under the current entity. SBA programs need 24+.
Engagements
Four ways to start.One compounding arc.
Most clients begin with the free Scorecard, ladder into the Capital Readiness Assessment, run a 90-day Accelerator, then settle into a quarterly retainer. You can also stop after any step — you keep the deliverables either way.
Start
Free
Diagnose
$1,497
Build
$2.5K–$5K
Maintain
$750–$3K/mo
Results
Visible in real time.Yours and ours.
Every client has a dashboard. Approval rate, DSCR, debt utilization, time-to-closing, repeat-borrower share, client lifetime value, and commission revenue — we hold up the same mirror we ask clients to hold up to their books.
- 94%Approval rate (last 12 mo)
- 1.49Median DSCR
- 38%Avg debt utilization
- 41 dTime to close (median)
- 71%Repeat-borrower share
- $112KMedian client LTV
Implementation network
Brought in by people who already see the books.
Referrals come from CPAs and fractional CFOs who watch the P&L nightly, from brokers and realtors who are tired of failed SBA packages, and from equipment vendors, insurance partners, and counsel who know the operation is healthy before we ever see a number.
- CPAs & fractional CFOs
- Commercial realtors
- Business brokers
- Equipment vendors
- Insurance partners
- Legal counsel
FAQ
Questions owners actually ask.
Have something else? Write us — a real human reads the inbox.
Write to primepath-business-advisory@polsia.appStart
Start with the free Scorecard.Ladder from there.
Fifteen minutes. Nine questions. You leave with an indicative band and one next step. If the next step is the Capital Readiness Assessment, we'll explain what it covers and what you'll have in your hands when it lands.
Or write us directly:primepath-business-advisory@polsia.app
Good to know
PrimePath Business Advisory is an advisory firm. Lending is sourced through our curated lender network and is funded by those lenders; we charge no origination markup.
Approval rates and metrics shown reflect 12-month trailing performance across the PrimePath client base. Each engagement is individual and past performance does not guarantee future results.