Ascentium Capital
Ascentium Capital is a U.S. SMB equipment finance and small business lender operating as a division of Regions Bank, providing equipment financing up to $2M and working capital loans up to $250K through a vendor channel model spanning seven industry verticals.
- Company typePrivate
- Founded2011
- HeadquartersKingwood, United States
- Headcount251–500
- GTM typeB2B
- OfferingServices
What Ascentium Capital does
Ascentium Capital is a U.S. SMB-focused equipment finance and small business lender operating as a division of Regions Bank (NYSE: RF). Founded in 2011 and headquartered in Kingwood, Texas, the company provides two core products: equipment financing and leases up to $2 million with terms up to 84 months, and small business/working capital loans up to $250,000 with terms up to 36 months and next-day funding. Itself claims the title of the largest private independent equipment finance company in the U.S. with $15.8 billion+ in cumulative financing extended to businesses, of which $5 billion+ has flowed through its vendor partner platform.
The company's go-to-market is built on a two-sided channel model. Equipment vendors and suppliers across seven verticals — Commercial & Industrial, Commercial Vehicles, Franchise & QSR, Gas/C-Store & Car Wash, Healthcare, Hospitality, and Technology & Software — embed Ascentium financing at point of sale and submit applications through the MyAscentium partner portal. Borrowers access financing directly through the AccountButler customer portal, online applications, or an inside sales team, with credit decisions delivered in as little as two hours. Underlying technology consists of the MyAscentium and AccountButler web portals, an online credit application with document processing, a Section 179 tax savings calculator, and a content/SEO engine (blog, YouTube) targeting SMB owners and equipment vendors.
Monetization is driven by interest and lease payments on originated financings, supplemented by one-time documentation fees (covering credit reports, UCC filings) and recurring optional insurance premiums on financed equipment. As a division of an FDIC-insured bank, Ascentium funds through Regions Bank's balance sheet, providing a structural cost-of-funds advantage relative to non-bank competitors, while also serving as a referral channel through the Regions Bank branch network. The company targets SMBs nationwide across seven verticals, with named customer relationships spanning 5-10 year tenures in food & beverage, manufacturing, transportation, hospitality, and technology end-markets.
Ascentium Capital firmographics
Firmographics- Name
- Ascentium Capital
- Legal name
- Regions Bank
- Website
- https://ascentiumcapital.com
- Company type
- Private
- Founded year
- 2011
- Operating status
- Operating
- Headcount range
- 251–500 employees
- Short description
- Ascentium Capital is a U.S. SMB equipment finance and small business lender operating as a division of Regions Bank, providing equipment financing up to $2M and working capital loans up to $250K through a vendor channel model spanning seven industry verticals.
- Ownership category
- akta.pro rank
Ascentium Capital industry classification
Industry- Product category
- Equipment Financing
- NAICS
- Sales Financing (52222), Sales Financing (522220), Credit Intermediation and Related Activities (522)
- SIC
- Finance Lessors (6172), Short-Term Business Credit Institutions (6153)
- akta.pro primary industry
- Equipment Financing / Leasing (Venture-backed) (FSANAIAE)
Keywords
Where Ascentium Capital is headquartered
LocationHeadquarters
- HQ city
- Kingwood
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Ascentium Capital business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure, Others
Revenue model
- Equipment Financing & Leasing: Ascentium Capital provides financing up to $2 million for equipment and technology purchases. Revenue is generated through interest charges and lease payments over the financing term. The company offers flexible terms up to 84 months with low to no upfront costs.
- Small Business Loans & Working Capital: Working capital loans up to $250,000 for nearly any business purpose. Revenue generated through interest and fees on short-term financing with flexible payback options including daily, weekly, or monthly payments.
- Documentation Fees: One-time documentation fees charged upon credit approval for processing expenses related to credit reports, UCC filings, and other transaction-related costs.
- Insurance Services: Optional automatic insurance coverage for financed equipment when customers do not provide their own insurance. Customers are billed for insurance expenses.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Pay-as-you-go | Small Business Loans up to $250,000 with flexible terms |
| Subscription | Monthly | Equipment Financing & Leasing up to $2 million |
| Subscription | Monthly | Women in Business Financing Options |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels8 records
Ascentium Capital product offering
Product offeringCore offering
Ascentium Capital provides equipment financing and leasing up to $2 million with terms up to 84 months, and small business working capital loans up to $250,000 with terms up to 36 months. Financing is delivered through a channel partner model working with equipment vendors and direct SMB applications via the MyAscentium platform, supported by Regions Bank's capital and regulatory infrastructure.
Product overview
Ascentium Capital is an equipment financing and small business lending company that operates as a division of Regions Bank. The company offers three core products: Equipment Financing & Leasing (up to $2 million, terms up to 84 months), Small Business Loans & Working Capital (up to $250,000, terms up to 36 months), and a Section 179 Calculator tool. The company also provides two self-service portals: MyAscentium for partners/vendors to submit applications, and AccountButler for customers to manage accounts. The company specializes in serving multiple industry verticals including Commercial & Industrial, Commercial Vehicles, Franchise & QSR, Gas/C-Store & Car Wash, Healthcare, Hospitality, and Technology & Software. Financing is available for virtually any business need including equipment, technology, and working capital.
Differentiator
Problem solved
Functional benefit
Brands
- AccountButler: Customer portal for Ascentium Capital clients to manage their accounts
- MyAscentium
Products and services
- Equipment Financing & Leasing Financing and leasing agreements up to $2 million with terms up to 84 months for computer hardware and software, office furniture, industrial equipment, commercial vehicles, medical equipment and technology. Designed for small and mid-sized U.S. businesses needing to acquire equipment without large upfront capital outlays.
- Small Business Loans & Working Capital Working capital loans up to $250,000 with flexible terms up to 36 months, featuring daily, weekly or monthly payback options and funding as quickly as the next day. Designed for small and mid-sized U.S. businesses needing short-term capital for nearly any business purpose.
- MyAscentium Partner Portal Self-service online portal where equipment vendors and referral partners submit commercial credit applications on behalf of their customers and manage the status of financing requests. Designed for equipment dealers and suppliers operating in Ascentium's seven industry verticals.
- AccountButler Customer Portal Online account management portal where existing Ascentium Capital customers can access and manage their financing accounts, make payments, and view account details. Designed for SMB borrowers with active equipment financing or working capital loans.
Quantifiable outcome
- Financing decisions in as little as two hours for small business loans up to $250,000
- +2 more outcomes
Companies that use Ascentium Capital
Customer profileNamed customers11 records
Segments8 records
Ideal customer profiles2 records
Ascentium Capital technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
Ascentium Capital partnerships and signals
Strategic signalScale indicators3 records
Recent moves6 records
Expansion highlights5 records
Ascentium Capital competitors and assessment
Company assessmentDirect peers
- TimePayment: TimePayment is a private independent equipment leasing company serving SMBs and vendors across multiple verticals, with a comparable product set (equipment leases and loans) and similar channel-driven origination model.
- CIT Group (First Citizens Bank): CIT Group (now part of First Citizens Bank) operates a major equipment financing and commercial lending business directly comparable to Ascentium, serving middle-market and SMB customers across multiple verticals with similar term structures and ticket sizes.
- Direct Capital Corporation: Direct Capital provides equipment financing and working capital loans to SMBs with similar structure and ticket sizes to Ascentium, targeting the same vendor-channel and direct-to-SMB distribution model.
- Balboa Capital: Balboa Capital is a direct competitor offering equipment financing and working capital to SMBs in the U.S., with similar ticket sizes, term lengths, and vertical focus, positioning it as one of the closest like-for-like peers to Ascentium.
- National Funding: National Funding offers SMB working capital loans and equipment financing with comparable ticket sizes and underwriting speed, serving a similar SMB customer base as Ascentium's working capital product line.
- Marlin Capital Solutions (Marlin Business Bank): Marlin Business Bank is a direct SMB equipment financing competitor with comparable ticket sizes, term structures, and vendor-channel origination, operating in the same equipment finance segment as Ascentium.
- Crest Capital: Crest Capital provides equipment financing and leasing to SMBs across the U.S., with overlapping vertical coverage and similar ticket sizes, making it a directly comparable independent equipment financier.
Emerging players
- Canon Financial Services: Canon Financial Services is a captive equipment lessor providing vendor-channel financing for technology and office equipment, comparable to Ascentium's technology vertical but more narrowly focused on Canon-branded products.
- Fundbox: Fundbox is a fintech providing working capital and SMB lines of credit with a digital-first underwriting approach, competing with Ascentium's small business loan product on speed and accessibility rather than vendor relationships.
Broad incumbents
- DLL (De Lage Landen): DLL is a global vendor-finance company owned by Rabobank that finances equipment through manufacturer and dealer partnerships across multiple verticals, directly comparable to Ascentium's channel-partner equipment finance model but at significantly larger international scale.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights6 records
Customer concentration
Ascentium Capital social profiles
Digital presenceAscentium Capital financial estimates
Financial estimateRevenue estimate
Valuation estimate
Ascentium Capital leadership team
Management profileNumber of profiles
Profiles2 records
Ascentium Capital funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Ascentium Capital M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Ascentium Capital
What does Ascentium Capital do?
Ascentium Capital provides equipment financing and leasing up to $2 million with terms up to 84 months, and small business working capital loans up to $250,000 with terms up to 36 months. Financing is delivered through a channel partner model working with equipment vendors and direct SMB applications via the MyAscentium platform, supported by Regions Bank's capital and regulatory infrastructure.
Is Ascentium Capital a public or private company?
Ascentium Capital is a private company. It is classified as corporate owned and is currently operating.
When was Ascentium Capital founded?
Ascentium Capital was founded in 2011. It employs 251 to 500 people.
Where is Ascentium Capital based?
Ascentium Capital is headquartered in Kingwood, United States, in the North America region.
How does Ascentium Capital make money?
Four revenue lines are on record. Equipment Financing & Leasing is the primary driver. The others are small Business Loans & Working Capital, documentation Fees and insurance Services.
Who are Ascentium Capital's main competitors?
Direct peers on record are TimePayment, CIT Group (First Citizens Bank), Direct Capital Corporation, Balboa Capital, National Funding, Marlin Capital Solutions (Marlin Business Bank) and Crest Capital. Emerging players are Canon Financial Services and Fundbox. DLL (De Lage Landen) is listed as a broad incumbent.
Does Ascentium Capital have an API?
No public API is recorded for Ascentium Capital.
What industry is Ascentium Capital in?
Ascentium Capital's product category is Equipment Financing. Its primary akta.pro industry code is FSANAIAE, Equipment Financing / Leasing (Venture-backed). Its NAICS code is 52222 and its SIC code is 6172.