Speed without shortcuts.
Decisions in minutes, powered by real cash-flow data - not gut feel, not arbitrary criteria.
Building the fastest path to business credit in America.
KinectCredit exists because great businesses were being turned away by banks that move too slowly and care too little. We built something different. Same-day decisions. Same-day funding. No collateral. No excuses.
2018
Year Founded
$2.4B
Capital Deployed
Our Mission
Small and mid-sized businesses are the backbone of the American economy. They create jobs, anchor communities, and drive growth - and for too long, they've been underserved by financial institutions that weren't built for their speed or their ambition.
KinectCredit changes that. We built a technology-first lending platform that gives business owners what they actually need: fast access to flexible capital, transparent pricing, and a borrowing experience that respects their time.
No paperwork piles. No week-long waits. No collateral. Just a decision, a credit line, and funds in your account — often the same day you apply.
Our Story
We built KinectCredit to close that gap. Using real-time bank data and intelligent underwriting, we make smarter credit decisions faster than any bank - and we built a platform that actually reflects what a modern business owner's experience should feel like. Built by industry experts and business owners themselves to provide world-class terms and service to the Small Business market. Today, KinectCredit has deployed over $50M to businesses across the country, with an average decision time measured in minutes, not days. Today, KinectCredit has deployed over $50M to businesses across the country, with an average decision time measured in minutes, not days.
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15,000Businesses Funded
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$50MCapital Deployed
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12 MinutesAvg. Decision
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4.8★Trustpilot
Our Values
Transparency, always.
Every rate, every fee, every term is shown upfront. No surprises at funding. No fine print that changes the deal.
Access over exclusion.
Our underwriting model looks at the full picture of a business's health - not just a credit score. That means more businesses get a fair shot at capital.
Technology built for people.
If our platform isn't fast, intuitive, and genuinely useful to a business owner, it doesn't ship.
Leadership
Our leadership brings decades of experience from global finance and disruptive technology to redefine the credit landscape.
Benjamin Shokrian
Co-Founder & Chief Executive Officer
Jordan Shokrian
Co- Founder & Chief Revenue Offer