Business Funding, Without the Runaround
Kensington Prime Network is a direct lender providing working capital from $10,000 to $500,000 to small and mid-sized businesses nationwide. Apply in minutes, get a decision in as little as 24 hours.
Applying will not affect your credit score
Funding Options Built Around Your Business
Four ways to put working capital in your account, matched to how your revenue actually moves.
Merchant Cash Advance
An advance against your future receivables, repaid as a set percentage of daily or weekly revenue. Payments flex with your sales.
- $10,000 to $500,000
- Repayment scales with revenue
- Funding in as little as 24 hours
Short-Term Business Loans
Fixed-term working capital with a set payment schedule, so you know the full cost and the payoff date before you sign.
- 3 to 24 month terms
- Fixed, predictable payments
- No prepayment penalty
Business Line of Credit
A revolving facility you draw on only when you need it. Pay interest on what you use, and the line replenishes as you repay.
- Draw only what you need
- Interest on the drawn balance
- Built for uneven cash flow
Equipment Financing
Purchase or lease the equipment your business runs on, with the equipment itself serving as the collateral for the financing.
- New and used equipment
- Equipment secures the financing
- Terms matched to useful life
Getting Capital Shouldn't Take Months
A traditional bank loan can take 60 to 90 days and still end in a no. We underwrite in-house and give you a decision in as little as 24 hours.
Buried fees and math you need a spreadsheet to follow. We put the total cost, the payment, and the term in writing before you sign anything.
Seasonal businesses and thin credit files get turned away or forced into the wrong product. We structure funding around how your revenue actually moves.
How Funding Works
Four steps from application to funds in your account.
Complete the short application with your business details. It takes a few minutes and will not affect your credit score.
Send us your recent business bank statements. Our underwriting team reviews your revenue and cash flow in-house.
You receive your approved amount, payment, term, and total cost in writing. Ask us anything before you decide.
Sign electronically and funds are deposited into your business account, often within one business day.
Industries We Fund
We underwrite to the revenue patterns of your sector.
Why Work With Us
Transparent Terms
Your amount, payment, term, and total cost are in writing before you sign. No hidden fees, no surprise charges.
We Fund Directly
We lend our own capital, so approvals come from us. Where another lender is the better fit, we will arrange it through our funding partner network and tell you plainly which it is.
A Real Person on Your File
One funding specialist handles your application start to finish. You get their direct line, not a call queue.
Built for Real Revenue
Seasonal swings and imperfect credit do not disqualify you. We underwrite on business performance, not just a score.
What Clients Say
Real businesses. Real funding. Straight terms.
"We needed inventory capital before our busy season and the bank was still asking for paperwork. Kensington had us funded in two days. The terms were exactly what they quoted."
"The whole process was painless. No runaround, no hidden costs. I knew the total payback before I signed, and it never changed."
"Our revenue swings hard by season. They structured the repayment around that instead of forcing a flat monthly payment we could not carry in the slow months."
Questions & Answers
We fund small and mid-sized businesses across the United States, generally those operating at least six months with $10,000 or more in monthly revenue. We work with retail, restaurants, construction, trucking, healthcare, professional services, e-commerce, and manufacturing, among others.
Most applicants receive a decision within 24 hours of submitting their bank statements. Once you accept your offer and sign, funds are typically deposited into your business account within one business day.
Working capital, inventory, payroll, equipment, expansion, marketing, renovations, tax obligations, or bridging a slow season. It is your capital to deploy as your business needs.
The application asks for basic business and owner information. To underwrite, we ask for your three to six most recent business bank statements. Larger requests may require additional documentation, and your specialist will tell you exactly what is needed.
No. Submitting an application does not trigger a hard credit inquiry. If you move forward to final approval we may run a credit check, and your specialist will tell you before that happens.
No. You receive your funded amount, payment, term, and total cost of capital in writing before you sign. If a fee exists, it appears in that document.
Both are common in our portfolio. We underwrite primarily on business bank activity and revenue consistency rather than credit score alone, and we can structure repayment to track your seasonal revenue.
Yes. Kensington Prime Network is a direct lender and funds approved deals with its own capital. In cases where a business is better served by a different structure or a larger facility than we hold, we will arrange financing through our network of funding partners and disclose that to you before you sign.
Ready to Fund Your Next Move?
Apply in minutes. No obligation, and applying will not affect your credit score.