How It Works

1
Apply Online for Personal Loan
2
E-sign Loan Documents
3
Book the Loan Directly to your Business for Potential Tax Advantages*
Get Approved Now

Get Fast Funding for:

Increased business cash flow

Purchasing inventory and equipment

Hiring staff

Purchase additional coverage

Other business and commercial uses

Compare Us

With Insurance Carriers:

Refinance Existing Loans

  • Interest Rate
  • Use Multiple Policies as Collateral for a Single Line
  • Credit Check and Personal Underwriting Process
  • Maintain Divided Schedule
  • Online Application and Approval Process
  • Potentially Tax Deductible*

    *Please consult with tax advisor
  • Kensington
  • Prime or LIBOR
  • Y
  • N
  • Y
  • Y
  • Y–Business Loans
  • Loans from Carrier
  • 8% +
  • Varies
  • N
  • Varies
  • N
  • N

With Banks:

Competitive Rates and Terms

  • Online Application and Approval Process
  • Credit Check
  • Book Loans Directly to…
    - Individual
    - Trust
    - Business
  • Interest Rates
  • Fees
    - Individual
    - Trust
    - Business
  • Maximum Loan Amount
  • Kensington
  • YES
  • NO


  • YES
    YES
    YES
  • Prime Rate or LIBOR


  • $0
    $500
    $0
  • NO LIMIT
  • Bank A
  • NO
  • YES


  • YES
    YES
    NOT OFFEERED
  • Prime Rate


  • $0
    $500
    NOT OFFEERED
  • $1.000.000
  • Bank B
  • NO
  • YES


  • YES
    YES
    NOT OFFEERED
  • Prime Rate


  • $0
    $500
    NOT OFFEERED
  • $1.000.000

Testimonials

We continuously operate within a client-focused culture, and with the goal of providing top-notch quality service.
I could not believe how simple it was to work with Kensington to get a loan for my business using my life insurance policy. Until my agent mentioned it to me, I didn’t know I had access to a credit line within my policy. I’m very happy with my experience and would absolutely do it again.
★★★★★ Sarah
New York, New York
I thoroughly enjoy working with Kensington. I sent them an excel of the policies I sold that currently have loans. Kensington was able to provide my clients with interesting and creative leverage strategies that lead to more opportunities to provide coverage. It’s an excellent business model.
★★★★★ Victor
Miami, Florida
These guys really know what they’re doing! I’m so glad that I told a few of my clients about their Cash Value Business
Loan Program.
★★★★★ Mario
Jacksonville, Florida
The training materials that Kensington provides about their program are excellent. Very informative and helpful!
★★★★★ Amber
New York, New York