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.
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.
What We Finance
Through our lender network, we arrange financing for:
Machining Equipment
- CNC mills and machining centers — 3-axis, 4-axis, 5-axis, vertical, horizontal
- CNC lathes and turning centers — including multi-axis and live-tool configurations
- CNC routers and waterjet cutters
- Plasma and laser cutting systems — fiber laser, CO2 laser
- EDM (electrical discharge machining) — wire EDM, sinker EDM
- Manual machining equipment — manual mills, lathes, drill presses, surface grinders
Press and Forming Equipment
- Hydraulic and mechanical presses — including stamping presses, forging presses, deep-draw presses
- Press brakes and shears
- Punch presses and turret punches
- Roll forming and tube bending equipment
Material Handling and Conveyance
- Conveyor systems — belt, roller, modular, accumulation, sortation
- AGVs and AMRs (automated guided and autonomous mobile robots)
- Forklifts and material handling vehicles
- Cranes and hoists — overhead bridge cranes, jib cranes, gantry cranes
- Storage and retrieval systems
Automation and Robotics
- Industrial robots — articulated arms, SCARA, delta, collaborative robots
- Automation cells and lines — integrated systems for pick-and-place, welding, machine tending, assembly
- Vision systems and inspection equipment
- PLC-based control systems
Packaging and End-of-Line
- Filling and capping equipment
- Labeling and coding systems
- Case packers, cartoners, palletizers
- Shrink-wrap and stretch-wrap equipment
- Sealing and inspection equipment
Supporting Equipment
- Welding and fabrication equipment — MIG, TIG, robotic welding cells
- Heat treatment equipment — ovens, furnaces, induction heating
- Air compressors, dust collection, and shop infrastructure
- Quality control and metrology equipment — CMMs, optical comparators, surface analyzers
Typical Financing Structures
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.
Manufacturing Segments We Serve
- 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
- Submit a short application at kensleycompany.com/apply.
- We match your application to the lender most likely to approve it based on equipment, manufacturing segment, and business profile.
- The lender reviews and issues a decision, typically within 1–5 business days for larger transactions.
- If you accept, you sign the financing agreement directly with the lender.
- The lender funds the equipment vendor on the agreed schedule, and the equipment ships and is installed at your facility.
Documentation typically requested by manufacturing lenders includes:
- 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