How It Works

1
Apply Online for Business 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

KFA Kensington Loans from Carrier
Interest Rate Prime 8% +
Use Multiple Policies as Collateral for a Single Line Y Varies
Credit Check and Personal Underwriting Process N N
Maintain Dividend Schedule Y Varies
Online Application and Approval Process Y N
Potentially Tax Deductible*

*Please consult with tax advisor
Y–Business Loans N

With Banks:

Competitive Rates and Terms

KFA Kensington Bank A Bank B
Online Application and Approval Process YES NO NO
Credit Check NO YES YES
Book Loans Directly to…
- Individual
- Trust
- Business


YES
YES
YES


YES
YES
NOT OFFERED


YES
YES
NOT OFFERED
Interest Rates Prime Rate Prime Rate Prime Rate
Fees
- Individual
- Trust
- Business


$0
$500
$0


$0
$500
NOT OFFERED


$0
$500
NOT OFFERED
Maximum Loan Amount NO LIMIT $1.000.000 $1.000.000

Testimonials

We continuously operate within a client-focused culture, and with the goal of providing top-notch quality service.
Before using Kensington, I was truly in a desperate situation. I had many working capital needs (and kept getting repeatedly denied access to credit) that had to be urgently completed and when taking policy loans from my insurance carriers, it would simply take too long to receive the funds. Thanks to Kensington, not only was I able to get an outstanding loan refinanced on favorable terms but was also able to get a working capital wire the same day. I am grateful that this was done in not only such a short period of time, but also WITHOUT a credit check. No other assumption provider does this, especially when getting access to capital on favorable terms was was so crucial for me.
★★★★★ Elan
Maryland
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
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
Florida
The training materials that Kensington provides about their program are excellent. Very informative and helpful!
★★★★★ Amber
New York