# Ascentium Capital Review

> Ascentium Capital, a division of Regions Bank, is a commercial lender focused on equipment financing and leasing for small and mid-sized businesses. It offers a streamlined, application-only process for smaller deals and 100% financing that can bundle soft costs, making it a fit for businesses acquiring equipment.

## Key takeaways
- Ascentium Capital, a division of Regions Bank, focuses on equipment financing and leasing for small and mid-sized businesses, with a streamlined application-only process for smaller deals.
- It offers 100% financing that can bundle soft costs like shipping and taxes, making it a fit for businesses acquiring equipment with little or no money down.
- It's generally geared to established businesses (often around two years) with solid credit, and rates and full terms are quote-based rather than published.

## Ascentium Capital at a glance

Ascentium Capital is a commercial lender that operates as a division of Regions
Bank, an established FDIC-member institution. It focuses on **equipment financing
and leasing**, with a streamlined, application-only process for smaller deals and
quick credit decisions. Its emphasis on 100% financing — including the ability to
bundle soft costs into a single payment — makes it a practical option for
businesses that want to acquire equipment with little or no money down.

### What Ascentium Capital offers

- **Equipment financing and leasing** — funding for new or used equipment,
  technology, commercial vehicles, and more, with flexible terms (longer terms
  available) and structures like $0-down, seasonal, or step payments.
- **Working capital / small business loans** — shorter-term funding for expansion,
  inventory, hiring, marketing, and other needs. Notably, this is a loan rather
  than a cash advance on future sales.
- **Vendor financing programs** — customized programs that let equipment
  manufacturers, distributors, and resellers offer financing to their customers.

### How equipment financing works

With equipment financing, the equipment typically serves as collateral, which can
ease approval. Ascentium's application-only path for smaller requests means many
deals can proceed without extensive financial statements, and 100% financing lets
you roll associated costs into the payment. Rates and terms are quote-based rather
than published, so review the full payment schedule and any fees before signing,
and keep in mind that terms can change and are subject to credit approval.

### Who it's best for

Ascentium Capital fits **established businesses** with an operating history and
solid credit that want flexible, low-money-down equipment financing from a
bank-backed lender. Newer businesses or those with weaker credit may find
equipment lenders with more lenient criteria.

### How to decide

Because pricing depends on the deal and your credit profile, it's worth comparing
a couple of offers first. The simplest way is to apply once through Hoss Capital —
we'll match you with Ascentium Capital and comparable equipment lenders so you can
weigh the real numbers side by side.

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Canonical: https://hoss-capital.pages.dev/lenders/ascentium-capital/

Sources:
- https://www.ascentiumcapital.com
- https://ascentiumcapital.com/about-us/our-company
- https://info.ascentiumcapital.com/equipment/equipment-financing
- https://www.regions.com/small-business/business-financing/equipment-financing-and-leasing