Premium Financing Opportunity to expand services beyond cash value loans by emphasizing the newly launched Premium Financing division to target high-net-worth clients and businesses seeking sophisticated lending solutions.

Small Team agility With a lean team of 2-10 employees, Kensington can benefit from scalable outreach, partnerships, and white-label or referral arrangements to extend market reach without significant headcount growth.

Tech-Enabled Leverage their cloud and web tech stack (AWS, Modernizr, RSS, oEmbed) to position themselves as a modern, digital-first lender; offer integrations, API access, or embeddable loan documents to streamline client onboarding.

Alternative Lending Focus on cross-sell opportunities with insurance-adjacent financial services by targeting business owners who use whole life policy loans, highlighting lifecycle financing, policy utilization, and cash-flow optimization.

Incremental Revenue Given revenue in the 1–10M range, propose partnerships with larger regional financial firms or broker networks to accelerate customer acquisition, co-branding campaigns, and premium financing education programs.