- 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.
- Application-only process for smaller equipment requests
- 100% financing that can include shipping, taxes, and other soft costs
- Flexible terms and payment structures, with longer terms available
- Backed by Regions Bank, an established FDIC-member institution
- – Generally geared to businesses with an operating history and solid credit
- – Rates and full terms are quote-based and not published online
- – Working capital loans are smaller and shorter-term than equipment financing
Ascentium Capital FAQs
What does Ascentium Capital finance? +
Ascentium Capital specializes in equipment financing and leasing — for equipment, technology, commercial vehicles, and more — and also offers working capital / small business loans. It can finance new or used equipment and bundle soft costs like shipping and taxes. Specific amounts and terms vary and can change.
What are Ascentium Capital's requirements? +
Criteria vary and can change, but Ascentium generally works with established businesses — commonly around two years in business with solid credit — and offers an application-only path for smaller requests. Larger deals may require additional documentation, and all financing is subject to credit review.
Is Ascentium Capital a direct lender? +
Yes — Ascentium Capital is a division of Regions Bank, and loans and leases are provided by Regions Bank. Hoss Capital is a matching service — we can connect you with Ascentium Capital and comparable equipment lenders so you can compare offers.
Last updated: June 2026