About Kensley
Who is Kensley Company?
Kensley Company LLC is a commercial equipment finance brokerage headquartered in Miami, Florida. We arrange financing for U.S. businesses purchasing commercial equipment — including trucking, restaurant, medical, dental, construction, and manufacturing equipment — through a network of independent equipment finance lenders. Kensley earns referral compensation from the underlying lender when a transaction is completed. We are organized as a New Jersey limited liability company.
Are you a lender?
No. Kensley does not extend credit directly. We are a brokerage. Our role is to match your application to the equipment finance lender most likely to approve it on terms that work for your business. All credit decisions, financing terms, and funding determinations are made independently by the underlying lender.
Where do you operate?
We serve commercial businesses in all 50 U.S. states. Our principal place of business is in Miami, Florida.
Do you work with consumers?
No. Kensley operates exclusively as a B2B equipment finance brokerage. Our services are available only to legally formed business entities purchasing equipment for commercial use. We do not offer personal financing, auto financing, mortgages, or any product intended for individual or household use.
Application Process
What do I need to apply?
The online application takes about five minutes. You’ll need your business legal name, entity type, approximate time in business, annual revenue range, the type and approximate cost of the equipment you’re financing, and basic contact information. You do not need to upload documents at this stage — the lender will request documentation after issuing a preliminary decision.
How long does it take to get a decision?
Most applications receive a preliminary decision within 1–3 business days. Final approval after documentation typically takes another 1–2 business days, and funding usually follows within 5–10 business days from final approval. Timing varies by lender and equipment type.
Will applying affect my credit?
Submitting an application to Kensley does not result in a hard credit pull. Each lender in our network has its own underwriting process; some run a soft inquiry initially and only run a hard inquiry if you accept a preliminary offer. We can clarify the specific process for the lender matched to your application.
What happens after the lender issues a decision?
If the preliminary terms work for you, the lender requests documentation — typically 3–6 months of business bank statements and a copy of the equipment quote. Once the lender confirms final terms, you sign the financing agreement directly with the lender. The lender then funds the equipment vendor, and you take delivery of the equipment.
Can I apply if my business is new?
Yes, in many cases. Some lenders in our network specialize in financing for businesses with less than two years of operating history, while others focus on more established businesses. The fit depends on your business profile, the equipment type, and the cost. The fastest way to know is to submit the application — we’ll match you to the most likely fit.
Financing Options
What’s the difference between a lease and an Equipment Finance Agreement?
- Lease structures (Operating Lease, FMV Lease, $1 Buyout Lease) treat the lender as the equipment owner during the term. End-of-term options range from returning the equipment, purchasing it at fair market value, or buying it for a nominal amount (like $1).
- Equipment Finance Agreement (EFA) treats your business as the equipment owner from day one. The lender holds a security interest until the financing is paid in full, similar to how vehicle financing typically works.
For most businesses, the choice depends on accounting treatment, end-of-term plans, and tax strategy. Your CPA or tax advisor can help you decide which structure fits your situation.
What are typical terms?
Equipment financing typically runs 24 to 84 months, depending on the equipment type and cost. Most trucking, restaurant, construction, and manufacturing transactions are financed over 36–72 months. Larger medical and dental equipment is sometimes financed over up to 84 months. The lender determines the actual term based on the equipment’s useful life and your business profile.
What equipment cost ranges do you finance?
We arrange financing for equipment from $10,000 to $500,000+. Multi-unit transactions, fleet expansions, and full build-outs can extend beyond this range. Smaller or larger transactions are reviewed on a case-by-case basis.
Do you work with diverse credit profiles?
Yes. Our lender network includes partners that work with newer or rebuilding business profiles, in addition to partners that work with established profiles. The right lender fit depends on your business profile, the equipment, and the financing structure. Submitting the application gives us enough information to match you to the right partner.
SMS & Communications
How do you use my phone number?
We use your phone number to follow up on your financing inquiry, confirm receipt of your application, request any clarifying information, share updates from the lender, and confirm appointments. With separate opt-in, we may also send occasional marketing messages about new financing programs.
How do I opt out of text messages?
You can opt out at any time by:
- Replying STOP, END, QUIT, UNSUBSCRIBE, or CANCEL to any message
- Visiting kensleycompany.com/opt-out and submitting the form
- Emailing info@kensleycompany.com with UNSUBSCRIBE in the subject line
After you opt out, you receive one final confirmation message. No further marketing or promotional messages will be sent. Transactional messages related to an active application may continue unless you withdraw the application.
How often will you message me?
Message frequency depends on the stage of your application. You may receive up to 10 messages per month for transactional purposes (application updates, document requests, appointment confirmations) and up to 4 messages per month for marketing purposes (only if you’ve opted in to marketing).
Do you share my phone number?
No. Kensley does not sell, rent, or share your mobile information with any third party for marketing purposes. No mobile information collected through our SMS program will be shared with affiliates or third parties for their marketing purposes. Your phone number is shared only with the lender reviewing your application and with the service providers (such as our SMS messaging platform) who help us deliver messages to you.
Fees & Compensation
Do you charge me a fee to apply?
No. Kensley does not charge applicants a fee to submit an inquiry, receive lender matches, or complete an application. Our compensation comes from the lender when a transaction is funded.
How do you make money?
We earn referral compensation from the equipment finance lenders in our network when a transaction we facilitate is funded. This is typically a percentage of the financed amount, paid by the lender, and is reflected in the financing terms the lender offers. We disclose this brokerage model on every page of our site, in our Terms of Service, and to every applicant.
Still Have Questions?
Submit an application at kensleycompany.com/apply to get started, or contact our team for general questions. We’re available Monday through Friday, 9:00 AM to 6:00 PM EST.