Capital Advisory • Lender Readiness • Credit Strategy
Strategic advisory that bridges the gap between where your business is and where lenders need it to be. Capital structuring, credit positioning, and lender-ready financials, built by a practitioner, not a theorist.
Portfolio Managed
Years in Credit Risk
Dual Designation
Our Philosophy
Most businesses that struggle to secure financing don't have a fundamentals problem. They have a packaging problem. Weak financial narratives, misaligned capital structures, and materials that don't speak the language lenders need to hear.
Prime Advisors exists to close that gap. We sit on the same side of the table as the companies we advise, but we think like the institutions across from them. The result: businesses that walk into bank meetings already positioned to succeed.
What We Do
Designing the right mix of debt and equity to match your business lifecycle, cash flow profile, and growth ambitions, before you approach a single lender.
Transforming your financial statements, projections, and supporting materials into the precise format and narrative that credit committees expect to see.
Identifying and addressing the specific credit risks that would cause a lender to hesitate: covenants, collateral gaps, concentration risk, cash flow volatility.
Applying institutional-grade risk frameworks (PD/LGD modeling, sensitivity analysis, stress testing) to give you the same view a bank's risk team will take.
Guiding businesses through the full financing lifecycle, from identifying the right capital sources to negotiating terms and closing the deal.
Broader advisory on M&A readiness, growth strategy, financial governance, and building the internal infrastructure that sophisticated investors require.
Who's Behind This
Designation
Dual designation bridging accounting rigor with investment analysis, delivering the full picture lenders and investors need.
Portfolio Authority
Executive credit authority over 120+ clients at a Big-5 Canadian bank, adjudicating complex financings up to $50M.
Regulatory Breadth
Deep fluency in OSFI, OCC, FDIC, SBA 7(a), and SSBIC frameworks, spanning Canadian and U.S. regulatory environments.
Education
Graduate-level financial technology training, keeping advisory services at the frontier of digital transformation in finance.
Our principal spent 13 years inside the credit risk machinery of institutional banking, progressing from analyst to Executive Director at one of Canada's Big Five banks, before founding Prime Advisors.
That career was spent doing one thing: deciding whether businesses get funded. Analyzing their financials, stress-testing their projections, challenging their capital structures, and ultimately approving or declining their deals.
Now, that same lens works in reverse, helping businesses see themselves the way banks see them and closing every gap before they walk through the door.
The difference between an advisor who's read about credit and one who's exercised executive credit authority over billions of dollars isn't subtle. It's the difference between theory and pattern recognition forged across hundreds of transactions.
How It Works
We assess your current financials, capital structure, and lending history to identify exactly what stands between you and the financing you need.
A tailored action plan with the right capital mix, the right structure, and the right story, designed to address every concern a lender would raise.
We build or rebuild your financial materials, projections, and credit narrative until they meet the institutional standard credit committees expect.
You go to market positioned for success. We stay alongside you through lender conversations, term sheet review, and closing.
Let's start with a conversation about where you are and where you're trying to go.
Schedule a ConsultationOr reach out directly: (443) 957-3330 • info@primeadvisorsllc.com