About Us

Kinetic Leasing has been helping businesses move forward since 2000.

Kinetic office exterior

Kinetic Leasing, Inc. was incorporated in February 2000, in conjunction with the assumption of a private label lease program operated on behalf of Community First Bankshares of Fargo, ND, and the purchase of its related lease portfolio.

The private label lease program acquired by Kinetic Leasing is a Bank Lease Program established by the principals of Kinetic Leasing during their employment with Community First Bankshares. The Company’s management group and operations staff were the key personnel behind the day-to-day operations of the Community First Bank Lease Program since its inception in 1995, and they have extensive experience in the financing and leasing of equipment to middle-market businesses and municipalities nationwide. Since its inception, Kinetic Leasing has continued to expand its Bank Lease Program to other banking organizations and locations. In addition, Kinetic Leasing also offers its competitive lease products directly to various vendors, commercial concerns, and municipalities nationwide to help keep their businesses moving forward.

Our History

In its first 15 years of operation, Kinetic Leasing became one of the top 100 largest equipment financing companies in the U.S.

  • 2015

    Moved into new 9,000 sq. ft. corporate office. Generated $100M in new leases. Grew to 17 employees. Built $235M portfolio, making Kinetic Leasing one of the top 100 largest equipment financing companies in the U.S.

  • July 2014

    Opened regional office in Eden Prairie, MN

  • December 2008

    Downsized in response to worldwide financial crisis.

  • September 2007

    Named #3,459 on the list of INC 5000 fastest growing companies in the U.S.

  • October 2005

    Reached $100M in lease receivables owned and serviced.

  • May 2005

    Named Fargo–Moorhead small business of the year.

  • March 2001

    Rebranded as Kinetic Leasing to avoid name infringement lawsuit.

  • February 2000

    Frontier Leasing created with 4 employees when Community First Financial, Inc. dissolved.

Our Leadership Team

Kinetic Leasing is led by the following talented individuals.

Note: email addresses have been formatted to prevent email spammers’ automated programs from obtaining the addresses.

  • Al Hintz President/Owner ahintz(at)kineticlease(dot)com (701) 476-0221 Al has over 22 years of experience in the finance industry, with the last 18 years spent in the equipment financing industry. Employed with Community First Bankshares (a $6.2 billion banking organization) for nine years, Al was instrumental in building the bank’s leasing portfolio from $75 million to $350 million. In addition, he was the primary individual behind the development and implementation of the Bank Lease Program, which was implemented into all 150+ banks owned by Community First Bankshares. Since the inception of Kinetic Leasing in early 2000, Al has had the primary responsibility for the overall operations of Kinetic Leasing, including developing a sales force, establishing remote sales offices, marketing, financial reporting, and human resources. With the depth of experience as both a bank examiner with the FDIC and the volume of transactions over the past 22 years, Al continues to be the key person reviewing all new finance transactions for credit approval prior to Kinetic Leasing granting a commitment to the customer.
  • Anthony Houkom Sr. Vice President, Operations ahoukom(at)kineticlease(dot)com (701) 476-0221 Anthony joined Kinetic Leasing in 2009, and he has spent the past 8 years in the financial services industry. During this time, Anthony has focused on growing his skills and leadership in all aspects of credit underwriting, documentation, cash management, and overall operations of Kinetic, making him a key employee within Kinetic. Anthony oversees the operations of the company, and has the responsibility of the day-to-day management of the support staff, lease documentation, and payment processing. In addition, Anthony has excellent working relationships with all of Kinetic Leasing’s funding sources and investors. These relationships allow Anthony to secure financing for various programs, such as small ticket leasing, unique vendor funding programs, and structured financings. Anthony joined the Board of Directors in 2013.
  • Brent Herman Vice President, Credit & Finance bherman(at)kineticlease(dot)com (701) 476-0221 Brent initially was employed at Kinetic Leasing from 2006 to 2009 as a Credit Analyst. He then left the company and worked in various credit-related roles at two regional commercial banks, and then rejoined Kinetic Leasing November 2013 as Chief Credit Officer. Brent manages the entire underwriting process of all transactions in excess of $50,000 and serves on the company’s credit committee. Brent serves as the primary liaison between Kinetic Leasing and the commercial banks that provide funding to the company, fostering and maintaining solid business relationships to ensure ongoing funding for Kinetic Leasing. Further, Brent manages the collections and credit analysis related employees and supervises the process for all defaulted finance transactions.
  • Curt Kovash Vice President, Business Development ckovash(at)kineticlease(dot)com (701) 551-7265 Curt has over 27 years of experience in the equipment leasing/finance industry, beginning with Lyon Financial Services in 1989 and later with US Bank Equipment Finance. Curt has held roles in credit underwriting, sales, and senior management. Curt was SVP of an operating unit within US Bank Equipment Finance with $800 million in annual funding and $1.7 billion in assets. Curt joined Kinetic Leasing on October 1, 2016 as VP, Business Development. Curt uses his overall experience to manage the Kinetic Leasing Bank Program in addition to expanding and growing vendor and direct business. Curt is also an important part of the Kinetic Leasing management team helping set the direction and vision of the company.
  • Ashley Cook, CLFP Vice President, Small Ticket Equipment Financing acook(at)kineticlease(dot)com (701) 476-0221 Ashley joined Kinetic Leasing in 2013 and, previous to her employment with Kinetic Leasing, spent the past eight years in the healthcare industry as an actuary and project manager. Ashley manages the day-to-day operations of the Small Ticket Equipment Financing Division, develops new broker relationships, and monitors the credit, funding, servicing, collection, and administration of all the contracts in this portfolio. Her skills are needed to manage the fast-paced processes needed to underwrite, document, and fund transactions with the small ticket equipment financing industry.

Kinetic Leasing also employs the following super hard working individuals:

Our Culture

In everything we do, we strive to be the best, and we measure ourselves by these 5 core values:

  • Results Driven
    • Getting things completed
    • Tracking progress on tasks
    • Transaction oriented
    • Goal setting
  • Strong Work Ethic
    • Always going that extra step to help a co-worker
    • Detail-oriented
    • Proofing own work—no errors
  • Easy to Work With
    • Customers enjoy working with you
    • Internal employees come to you for assistance
  • Professional
    • Build trust with customers and banks
    • Serious work—managing funds borrowed
    • Give customers what they are asking for—knowledgeable
  • Great Relationship Builder
    • Internal—amongst other employees
    • External—customers, brokers, bankers

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Community Involvement


Kinetic Leasing is a proud supporter of numerous non-profit organizations throughout the surrounding Fargo (ND)–Moorhead (MN) area, as well as vital members of many local organizations and boards. Some of the organizations that Kinetic Leasing employees are involved with are:

  • Fargo Youth Hockey Association
  • Moorhead Youth Hockey Association
  • Fargodome Authority (Board Member)
  • Farm Rescue (annual sponsor)
  • Fargo Shanley Booster Club
  • Fargo Public Schools (proms, sports boosters, DARE program)
  • Fargo Food Pantry
  • Fargo–Moorhead Chamber of Commerce Leadership Program
  • Homeward Animal Shelter


  • Kinetic Leasing Reaches Out to Businesses Affected by Hurricanes

    Kinetic Leasing has reached out to its business customers in Texas and Florida to find out if they were impacted by Hurricanes Harvey and Irma. Said Kinetic Leasing President, Alan Hintz, “Living up to our core values and having genuine concern for our customers is very important to us.” Business customers in the affected region that sustained damages or were unable to operate due to lack of electricity and phone service were offered the chance to defer payments. Added Hintz, “We are a small company, and we differentiate ourselves by being flexible and offering a deferment of one or two months of payments to help our customers to get back on their feet. Customers didn’t have to call us and ask for help. We were happy to help out in their time of need.” Established in 2000, Kinetic Leasing is a general equipment financing company with offices in Fargo, North Dakota, and Marshall, Minnesota.

  • Kinetic Lease Welcomes Melanie Villareal
    Melanie Villareal

    Kinetic Leasing has hired Melanie Villarreal as an Operations Specialist. Prior to joining Kinetic, Melanie was a Commercial Loan Specialist for Bank of the West. Melanie earned her undergraduate degree from the University of Minnesota in 2012. She is originally from Moorhead and relocated back to the F–M area in 2014. Welcome, Melanie!

  • Ashley Cook Achieves CLFP Designation
    Ashley Cook

    Ashley Cook, Vice President, Small Ticket Leasing, has passed the 8-hour online exam to become a Certified Lease & Finance Professional (CLFP). The exam was hosted by International Decision Systems and KLC Financial in Minneapolis, MN. The CLFP designation is the preeminent credential for equipment leasing and financing professionals throughout the world who have demonstrated competency through testing of knowledge, continuing education, and a commitment to their business practices and dedication to the industry. Only 421 individuals in the world are currently certified as CLFPs. Congrats, Ashley!

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