Manufacturing
Manufacturing Equipment Financing
Kensley Company arranges financing for manufacturing equipment through a network of independent equipment finance lenders. We work with manufacturers across light and heavy industrial segments, financing CNC machines, presses, conveyors, automation systems, packaging lines, robotics, and supporting production equipment.
What We Finance
Equipment Categories
Manufacturing equipment is often custom-configured, has a long useful life, and represents a significant capital investment. Lenders that specialize in manufacturing financing are experienced with these transaction profiles and can structure terms that match the equipment’s productive life.
Typical Financing Structures
How Financing Is Commonly Arranged
Manufacturing equipment is typically financed through:
Equipment Finance Agreement (EFA). The most common structure for manufacturing equipment, given the long useful life and the manufacturer’s typical preference for ownership.
$1 Buyout Lease. Functionally equivalent to an EFA with lease accounting treatment.
Operating Lease and FMV Lease. Used by manufacturers that want lower monthly payments or that plan to upgrade equipment within a defined cycle. More common for automation, robotics, and technology-driven equipment.
Custom payment structures. For larger transactions and equipment with extended installation or commissioning periods, some lenders offer progress payment structures, deferred-start payment plans, or step-up payment schedules.
Terms typically range from 36 to 84 months. Larger equipment and automation lines are often financed over 60–84 months. Smaller equipment and supporting tools are commonly financed over 36–60 months.
Equipment cost range is typically $25,000 to $500,000+ per transaction. Full automation lines and multi-machine installations frequently extend beyond this range and are reviewed on a case-by-case basis.
Installation and integration costs — including freight, rigging, installation, training, and software — can often be included in the financed amount, depending on the lender and the specific equipment. This is a common point to clarify during application.
Segments We Serve
Operators We Work With
- Precision machining and contract manufacturing
- Metal fabrication and welding
- Tool and die shops
- Aerospace and defense manufacturers
- Automotive and tier suppliers
- Medical device manufacturers
- Food and beverage processing
- Consumer packaged goods (CPG) manufacturers
- Electronics and electromechanical assembly
- Plastics and polymer processing — injection molding, blow molding, extrusion
- Woodworking and furniture manufacturers
- Print and packaging manufacturers
- Chemical and process manufacturers (where the equipment is general industrial in nature)
Application Process
From Inquiry to Funding
Lender Match
We match your application to the lender most likely to approve it based on equipment, profile, and structure.
Decision
The lender reviews and issues a decision, typically within 1–3 business days.
Documentation typically requested:
- 3–12 months of business bank statements (longer for newer manufacturers or larger transactions)
- A copy of the equipment quote, including installation, freight, and integration costs
- Tax returns (for larger transactions)
- Customer contracts or revenue documentation (for application support)
- Equipment specifications and lead-time documentation
Apply for Equipment Financing
The first step is a short application. There is no commitment to accept any offer, and submitting an inquiry does not constitute a credit application with any specific lender.
Apply for Financing