When Banks Say No,
We Say Yes.
Private, collateral-backed lending for individuals and businesses across Alberta. No credit score required — just the value of what you own and the strength of your situation.
Quick Estimate — How Much Could You Borrow?
Our Lending Services
Every product is structured around your individual situation — not a rigid corporate checklist.
Private Lending
Flexible private loans for personal or business needs when traditional lenders fall short. Fast, discreet, and tailored to you.
Get Started →Collateral-Backed Loans
Secure a loan against assets you own. Your credit score is secondary — your collateral's value is what matters most.
Get Started →Vehicle Secured Financing
Use your car, truck, or commercial vehicle as collateral. Keep driving while we hold a lien on the title during the loan term.
Get Started →Property Secured Loans
Leverage the equity in your residential or commercial real estate for fast, substantial financing without refinancing your mortgage.
Get Started →Business Loans
Working capital, equipment, or opportunity funding for Alberta businesses. We understand the local market and can move fast when deals can't wait.
Get Started →Bridge Financing
Short-term capital to bridge a gap between transactions. Ideal for real estate deals, business acquisitions, or time-sensitive opportunities.
Get Started →Nkengfack vs The Alternatives
See how private lending with us stacks up against banks, payday lenders, and doing nothing.
| Feature | Nkengfack Financial ✦ | Bank / Credit Union | Payday Lender |
|---|---|---|---|
| Credit Score Required | ✓ Not Required | ✗ 650–750+ Required | Soft Check Only |
| Decision Speed | ✓ 24–48 Hours | ✗ 2–6 Weeks | Same Day |
| Loan Amounts | ✓ $2,000 – $500,000+ | Varies (higher minimums) | ✗ Up to ~$1,500 |
| Collateral Accepted | ✓ Vehicles + Property | Property (mortgage only) | ✗ None |
| Who You Deal With | ✓ Franklin, Directly | ✗ Call Centre / Committee | ✗ Automated System |
| Self-Employed Welcome | ✓ Yes | ✗ Usually Not | Sometimes |
| Transparency on Fees | ✓ Full Upfront Disclosure | Usually Clear | ✗ Often Hidden Fees |
* Based on general market conditions in Alberta. Individual circumstances vary. Contact Franklin for your personalised assessment.
Estimate Your Repayments
Use our repayment calculator to get a sense of monthly obligations. Actual rates are set individually — this is for illustrative purposes only.
Private lending rates are typically higher than bank rates because we accept clients banks reject and move far faster. The trade-off is speed, flexibility, and a real human making the decision.
Get a Personal Quote →Repayment Estimator
* Illustrative only. Actual rate depends on collateral type, loan amount, and term. Contact Franklin for a personalised, no-obligation quote.
"I built this company around one principle: if a hardworking person has real assets and a genuine need, they deserve a real answer — not a form letter from a committee."
Alberta Wide
A Lender Who Listens
Nkengfack Financial Services Inc. was founded with a clear mission: to fill the gap left by rigid institutional lenders. We are a real company, registered and incorporated in Alberta, with Corporate Access Number 2027648654.
Franklin works personally with every client. When you contact us, you speak to the decision-maker — not a call centre, not an automated system. Your situation is heard, evaluated, and responded to quickly.
Our approach is built on transparency, discretion, and respect. There are no hidden fees, no surprise terms, and no pressure. If we can help you, we'll tell you clearly how. If we can't, we'll tell you that too.
TransparentAll rates and fees disclosed clearly before you sign anything.
DiscreetYour financial situation stays strictly between you and Franklin.
FairCollateral-based decisions that look at the full picture, not just a score.
LocalWe live in Edmonton. We're invested in Alberta's financial wellbeing.
How to Get Funded
Four straightforward steps from first contact to funds in your account.
Contact Us
Fill out the application form, WhatsApp, or email Franklin directly. Describe your situation and what you need the funds for.
Collateral Assessment
Franklin reviews your application and assesses the collateral you're offering. We look at vehicles, property, or business assets — not credit history alone.
Receive Your Offer
Within 24–48 hours you'll receive a clear, written offer outlining the loan amount, rate, term, and all conditions — no hidden clauses.
Sign & Get Funded
Accept the terms, complete the paperwork, and receive your funds. For straightforward cases, this can happen within days of initial contact.
Ready to Get Started?
The fastest way is to reach out directly. Franklin personally reviews every enquiry and responds promptly — no automated filters, no waiting queues.
Apply Online Now → WhatsApp Franklin NowThe Nkengfack Difference
We're not a bank, a payday lender, or an online algorithm. We are a locally-owned private lender that actually cares about outcomes.
Lightning-Fast Decisions
While banks spend weeks checking boxes, Franklin reviews your application and responds within 24–48 hours — often faster for straightforward cases.
No Credit Score Required
Your financial history doesn't define your future. We evaluate what you own — your collateral — not what your credit report says happened years ago.
One Human. Your Lender.
Every call, every message, every decision goes through Franklin. No committees, no delays, no "let me check with my supervisor." One person, full accountability.
Flexible Terms
Short-term bridge financing or longer structured loans — we tailor the repayment structure to your cash flow, not a preset template.
Zero Hidden Fees
We give you every number up front. The rate, the term, the total cost — everything written clearly before you commit to anything.
Proudly Alberta-Based
We're not a faceless national chain or an online-only lender. We're based in Edmonton and serve clients across Alberta — with local knowledge and genuine care.
What Clients Say
Real people, real situations, real outcomes.
"I was turned down by two banks because of old credit issues. Franklin approved me in two days using my truck as collateral. No judgment, just a clear offer."
"We needed bridge financing fast for a property purchase. Franklin had a written offer in front of us within 48 hours. The whole process was professional and completely transparent."
"As a self-employed contractor, no bank would look at me. Franklin looked at my truck, my tools, and my situation — and gave me the working capital I needed to take on a bigger job."
Client names changed for privacy. Experiences represent typical outcomes — individual results vary.
Am I Eligible?
Not sure if you qualify? Use our quick checker to get an immediate indication — no personal data required.
Check Your Eligibility
Answer 4 quick questions to see if you're likely to qualify for a private loan.
Frequently Asked Questions
Everything you need to know about private lending with Nkengfack Financial.
Have a question not answered here?
Ask Franklin on WhatsAppMost applications receive an initial response within 24–48 hours. Once collateral is assessed and terms are agreed, funding can happen within days of first contact.
No. We are a collateral-based lender — your credit score is not the primary factor. Clients declined by banks due to bad credit, low income, or past financial difficulties are welcome.
We accept vehicles (cars, trucks, commercial vehicles), real estate (residential or commercial property), and other valuable assets. Contact Franklin for specific situations.
Rates are determined case-by-case based on collateral type, loan amount, and term. We are fully transparent — every rate and fee is disclosed upfront before you sign anything. Use our repayment calculator for a sense of numbers.
Absolutely. Self-employed individuals and business owners are welcome. We assess your situation based on collateral value and overall circumstances, not just T4s or pay stubs.
Yes. Nkengfack Financial Services Inc. is fully registered and incorporated in Alberta with Corporate Access Number 2027648654. You can verify this on the Alberta Corporate Registry.
We are a private lender, not a bank. Initial enquiries and applications do not typically trigger hard credit inquiries. Contact Franklin directly for specifics on your situation.
Yes. All enquiries are handled directly by Franklin with complete confidentiality. Your financial situation is never shared with third parties. Discretion is a core part of how we operate.
Serving All of Alberta
Based in Edmonton, we serve clients across the entire province — in person or by phone, WhatsApp, and email.
Apply for Financing
Complete the form below and Franklin will personally review your application and respond within 24–48 hours. No obligation, no pressure.
Application Received ✦
Thank you. Franklin will review your application and reach out within 24–48 hours. For faster contact, WhatsApp Franklin directly.