Ascentium Capital

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.

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

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

• Equipment financing
• Equipment leasing
• Small business loans
• Working capital loans
• Commercial lending

Headquarters

HQ city

Kingwood

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure, Others

Revenue model

1. 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.
2. 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.
3. Documentation Fees: One-time documentation fees charged upon credit approval for processing expenses related to credit reports, UCC filings, and other transaction-related costs.
4. 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

Go-to-market motion2 records

Distribution channels4 records

Marketing channels8 records

Core 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

Named customers11 records

Segments8 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Direct 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

• Xx.com/AscentiumTeam
• YouTubeyoutube.com/ascentiumcapital
• Facebookfacebook.com/ascentiumcapital
• LinkedInlinkedin.com/company/ascentium-capital

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Ascentium Capital