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About Lendacy

Lendacy offers customized lending solutions that provide accredited investors’ access to funds with flexible lines of credit at below prime rates. This allows these investors to meet their investment requirements and take advantage of investment opportunities, all while leaving 100% of their capital working and generating dividends and interest for them with the opportunity for continued appreciation. It’s the Lendacy solution for leveraging wealth to preserve and protect your financial legacy.

Lendacy Executive Team

Kelly Locke, President

Before being named President of Lendacy, Ms. Locke had gained extensive experience at National City Bank for 5 years, (now PNC) where she managed operations and was responsible for both sales and the services for high net worth clients. She assisted with the PNC acquisition of National City and helped manage the sales and service staff during the transition.

After the acquisition of National City by PNC, Ms. Locke accepted a position to manage operations at the law firm, Mancuso & Dias, for their transformation from a regional to a national operation. She managed the expansion of the operation, helping grow the staff and meet the needs expected to service clients on a national level.

Ms. Locke's experience in banking and legal services, including expanding operations to a national level and servicing high-net worth clients, made her a perfect fit to lead the Lendacy business to become the leader in high-net worth credit lending.

Kelly is actively involved in the community and volunteers at Second Chance, an education and non-profit animal rescue and shelter program.



Keli Pufahl, Operations Director

Keli Pufahl, joined Lendacy as the company's Operations Director, in late 2015. She has a 15+ year career in management, operations and leadership. In 2005, Keli was hired by First Financial Employee Leasing to assist in the forming and managing of the in-house sales team; LBBS Employee Services. Her responsibilities included managing the client onboarding process, writing proposals, assisting clients with payroll, employee benefits, compliance, and workers compensation programs.

Prior to entering the PEO industry Keli managed multiple medical practices, helping to consult doctors and staff as they navigated the ever-changing world of HIPPA compliancy, training, scheduling, and insurance coding and billing. Keli is excited by a challenge and is a self-proclaimed perfectionist. Her high standards of quality flow over to her team, co -workers and clients.

Keli believes in giving back to the community and helping to enrich today's youth.  She has served as Co-Chairman for the Charlotte County Heart Ball benefiting the American Heart Association.  Currently, she is Co-Treasurer of Boy Scouts of America Troop 50 and also donates her time to Girl Scouts of America and to local schools.

Keli graduated from the University of Florida with a Bachelor of Science in Business Administration.  She is a 3rd generation native Floridian who resides in Sarasota with her husband and their two children.


Kenneth Rachon, Operations Manager

Before joining Lendacy as the firm’s Operations Manager, Kenneth began his career at Tax Management Associates, a government contractor located in Indianapolis, where he performed thousands of tax audits while managing a staff of six.

Kenneth graduated from the Kelley School of Business at the Indiana University – Purdue University Indianapolis with majors in Accounting, Marketing and Distribution Management.  He is a licensed Florida Real Estate Sales Associate.

In his free time Kenneth enjoys playing tennis and golf. He also likes to travel, and since relocating to Sarasota, Florida Kenneth appreciates going to the beach and spending time with his family and friends.


Lendacy Sales Team

John Symmes, Client Director

From Fortune 100 management to the creation of startups, John brings an extraordinarily diverse background to his position as a Client Director at Lendacy.

His particular career emphasis has always been in banking, real estate, and investment. As his client base of real estate professionals and investors has evolved, so has his understanding and expertise in new construction, renovation and Jumbo financing packages for move-ups, second homes, and investment property transactions.  He has always employed his considerable knowledge, creativity, and energy to providing his clients financial optimization solutions customized to address their specific needs and leverage their wealth to achieve a more secure financial future.

A graduate of Northern Illinois University with a Bachelor of Science degree in Finance, the Chicago native remains passionate about his professional development, maintaining multiple state mortgage licenses and Financial Industry Regulatory Authority (FINRA) wealth management designations.

He resides in Phoenix, Arizona with his wife, Susan, and their three children, Jason and twins Jessica and Jack.


Lendacy's Founding Partners

Michael S. Williams, Founding Partner

Michael brings more than 20 years and a wide breadth of experience in financial markets to his role at Lendacy, where he oversees the relationship between the company and its affiliated investment partners.

Michael and his partner, Thomas Frey, founded the Kinetic Management Group, LLC, as a management company for private investments and accredited investors.  Prior to founding the Kinetic Management Group, Michael was an options market maker and has floor brokerage experience as a member of the Stock Exchange. He has worked as an institutional floor broker representing Goldman Sachs, Morgan Stanley, and Swiss Bank.

Michael has lectured throughout the country on derivatives and risk management. He is the co-author of Fundamentals of the Options Market, published by McGraw Hill and is the author of an economic newsletter, “Market Preview.”

An honored Navy veteran who served in the Gulf and is still an avid sailor, Michael has raced sailboats in his native Michigan and in San Francisco.

Thomas J. Frey, Founding Partner

Thomas, co-founder of Lendacy, brings his considerable experience and expertise in information technology to developing the IT infrastructure and systems the company uses. He is also a founding/managing partner and President of Silexx Financial Systems, LLC, a financial trading and risk management company.

A native of Munich, Germany, Thomas decided to immigrate to the United States in 2008 after spending considerable time here working as a consultant for various hedge funds and brokerage firms. He met Michael while consulting in San Francisco and chose to move to Sarasota after visiting his friend here and falling in love with the area.

Thomas’ consulting has allowed him to travel extensively. His favorite destinations include the South of France and Tokyo. He is a connoisseur of fine wines, particularly those from Bordeaux. He is an avid skier whose favorite spot are the slopes of the Swiss Alps.