Short answer
Ascentium Capital is not a merchant cash advance funder. It is an equipment finance and small business lending division of Regions Bank, an Alabama state chartered bank, and its own website says so in the footer of every page: "Loans and leases provided by Regions Bank, member FDIC, doing business as Ascentium Capital." There is no factor rate, no purchase of future receivables and no daily debit in the core product. What there is instead is a fixed monthly equipment finance agreement, a personal guaranty, a security interest in the equipment, and an acceleration clause that turns a missed payment into a demand for the entire remaining contract. The most important thing in the public record is not a rate. It is the legal wall between the company that sold you the equipment and the company that financed it.
By the Business Debt Adjusters research desk. Researched, written and fact checked on September 2, 2026; source links added September 9, 2026. The figures below are linked to the records they came from. If you can show us a record that contradicts anything here, call (877) 817-0404 and we will correct the page.
This page summarizes what the public record shows as of September 2, 2026: Ascentium Capital's own product, credit criteria and frequently asked questions pages; its Better Business Bureau profile, review file and complaint file; published court opinions from Texas, Minnesota, Maryland, Arkansas and Georgia; federal docket data from CourtListener and RECAP; Regions Financial Corporation's investor announcement; and the Federal Trade Commission Holder Rule at 16 CFR Part 433.
Who you are actually dealing with
The paperwork name and the corporate reality have drifted apart, and that matters the moment anything goes wrong. Ascentium Capital LLC was founded in 2011 at 23970 Highway 59 North in Kingwood, Texas. On February 27, 2020, Regions Bank announced a definitive agreement to acquire it from Warburg Pincus, describing it as "the largest independent equipment finance lender in the United States with approximately 2 billion dollars in loans and leases as of year-end and originations of 1.5 billion dollars in 2019," working with "nearly 4,000 manufacturers, dealers and distributors" through more than 460 employees.
Then the entity itself disappeared. A federal magistrate judge in Maryland set out the sequence in a December 2025 report and recommendation: "On March 31, 2023, Ascentium Capital, LLC and Regions Bank merged and Regions Bank assumed Ascentium Capital, LLC's assets and liabilities. As of the merger, Ascentium Capital is a division of Regions Bank."
The practical takeaway is that if your agreement predates March 31, 2023 it was written by a Delaware limited liability company that no longer exists, and your creditor today is a bank. Recent case captions read "Regions Bank d/b/a Ascentium Capital as successor by merger to Ascentium Capital, LLC." Anyone writing to this company on your behalf who addresses the letter to the LLC alone is writing to the wrong party.
The product is a loan, not an advance
Almost every page that groups Ascentium with merchant cash advance funders is wrong, and the error matters because it sends people down the wrong strategy. Ascentium's own frequently asked questions page describes two products. Equipment leasing and financing agreements run "up to 2 million dollars with terms up to 84 months." Working capital business loans run "up to 250,000 dollars with flexible terms," with the homepage advertising approval "in as little as two hours" on a one page application.
A real contract examined by a federal court shows the shape precisely. In a 2021 agreement described in the Maryland case below, the company advanced 206,854 dollars against a used truck, repayable in seventy-two consecutive monthly payments of 3,632.99 dollars, a total of 261,575.28 dollars. That is roughly 1.26 times the amount financed, over six years. A merchant cash advance is typically 1.3 to 1.5 times the funded amount over six to twelve months, collected daily. Not the same instrument, and not responsive to the same tactics.
Ascentium's published credit criteria are specific, and they explain who ends up on the hook:
Personal guaranty.
"On most of our transactions, we require a personal guaranty from individuals who represent a minimum of 51 percent of the applicant's ownership." The working capital product says the same thing without the hedge: "We require a personal guaranty."
Credit score.
"A FICO score of 650 or greater, and authorization to pull credit, for all personal guarantors."
Time in business.
Two years minimum, unless a corporate guarantor covers the gap.
Bankruptcy.
"No bankruptcy in last 10 years."
Approved equipment vendor.
The vendor has to be on Ascentium's list. This is a vendor finance business, and the vendor relationship is the front door.
Soft costs.
"You may finance all of the soft costs, up to 30 percent of the total amount being financed," including delivery, installation, tax and maintenance. Nearly a third of what you are financing may not be equipment at all.
Three further terms come straight from the company's own frequently asked questions and are the ones borrowers tell us they did not expect. First, when the clock starts. "Your payment obligation begins when we make payment for the equipment," and the interim period carries a pro rated charge of "1/30th of the regular scheduled payment amount, multiplied by the number of days in the interim period." If the vendor is paid three weeks before your first due date, you owe three weeks of charge before making a single scheduled payment.
Second, and this one is unusual enough to quote exactly: "Although there is no contractual right to pre-pay, if you are not in default we can agree to an early termination upon your written request." Paying off early is a favour, not a right, and the payoff is "calculated using a present value rate to discount the future payments due under the agreement." You are buying back a stream of payments at a discount the lender computes, not repaying a principal balance.
Third, insurance. If you do not supply your own certificate, "the equipment will be covered automatically under Ascentium Capital's insurance" and "you will be billed for the expenses." Force placed insurance is one of the quiet ways a monthly payment grows.
Your dispute with the vendor is not a defense against the bank
This is the single most important thing on this page, and it is where the largest losses in the record come from. In vendor equipment finance, three parties sign paper: you, the dealer or software company selling the equipment, and the finance company that pays the dealer. When the equipment turns out to be undelivered, worthless or misrepresented, the finance company's position is that its contract is separate. It paid the vendor. You owe it. Whatever you have against the vendor, take it up with the vendor.
Ascentium has argued exactly that on the record. In the physician class action described below, the court summarized its position: the plaintiffs were "attempting to avoid their payment obligations under valid, enforceable contracts with Ascentium because the business ventures they entered with MHT, an unrelated entity, did not perform as they had hoped," and any buyers' remorse "is not a valid basis for withholding payment under their agreements with Ascentium, which merely financed Plaintiffs' purchase from MHT."
One important limitation that borrowers reach for and that does not work here: the Federal Trade Commission's Holder Rule. That rule, at 16 CFR 433.2, requires a notice in consumer credit contracts making any holder "subject to all claims and defenses which the debtor could assert against the seller." It reads like the answer to this exact problem. It is not available to you, because 16 CFR 433.1(b) defines a consumer as "a natural person who seeks or acquires goods or services for personal, family, or household use," and the rule applies only "in connection with any sale or lease of goods or services to consumers." A business equipment finance agreement is not a consumer credit contract. A borrower invoking the Holder Rule in a June 2026 complaint on Ascentium's Better Business Bureau file was invoking a rule that does not reach commercial paper.
What the court records show
A search of CourtListener and RECAP on September 2, 2026 returns 167 federal dockets naming Ascentium Capital as a party, filed since 2013 across more than thirty district and bankruptcy courts. The distribution is lopsided in a way that tells its own story: sixty-nine were filed in 2017 alone, and the busiest venues are the Eastern District of Pennsylvania with twenty-nine, the Northern District of Texas with twenty-seven and the Eastern District of California with eleven. The cases below are the ones with published reasoning.
The physician software program: Melby v. America's MHT
Doctors Derek Melby and Danilo Policarpio sued America's MHT, Inc., its principal Scott Postle, Ascentium Capital LLC and Ascentium employee Cliff McKenzie in the Northern District of Texas, Civil Action No. 3:17-CV-155-L, as a putative nationwide class of physicians.
The allegations, as the court recorded them, describe vendor finance at its most aggressive. MHT recruited physicians into a "Medical Home Team Services Program" and, according to the complaint, coerced them into letting MHT create limited liability companies in their names. The physicians then signed, on behalf of each LLC, an Installment Payment Agreement with Ascentium. Ascentium wired the funds directly to MHT, typically 300,000 dollars per LLC for four software licences, and the complaint alleged it charged 24 percent interest although no rate appeared in the agreements and MHT had told the physicians the agreements were not loans at all.
It further alleged that in early 2016, "after Ascentium and McKenzie determined that the LLCs had insufficient revenue to repay the loans," Ascentium entered an undisclosed Vendor Agreement making MHT principally liable if the LLCs failed to pay. When MHT fell behind that August, Ascentium demanded payment from the physicians as guarantors while MHT told them to ignore it. The plaintiffs said they were collectively indebted for "tens of millions of dollars" having "received little or nothing of value in return."
The outcome was a loss for the physicians on the papers. In a memorandum opinion and order filed April 14, 2017, Judge Sam A. Lindsay denied the temporary restraining order, denied the preliminary injunction and expedited discovery, and held the complaint "woefully deficient" under Rules 12(b)(6) and 9(b) because the allegations, though not pleaded as fraud, "clearly sound in fraud." The court rejected Ascentium's request that it abstain and allowed the plaintiffs to amend. The claims were for declaratory and injunctive relief only: no damages were sought, and no judgment against Ascentium was entered.
The collection wave that followed
The class action is the visible part. What happened to the individual physicians afterwards is not. A CourtListener search returns 52 dockets captioned Univest Capital, Inc. v. a physician's MHT limited liability company, each naming Ascentium Capital LLC as a party alongside the individual physician. They were filed in batches in the Eastern District of Pennsylvania in March 2017 and the Northern District of Texas that September, every one under nature of suit code 190, Contract: Other.
The outcome on the docket record is that the program's failure produced dozens of separate contract actions against individual professionals and their single purpose entities, filed one at a time, in the venue chosen by the finance paper rather than the one where the doctor lived. That is what "the paper is separate from the equipment" looks like in practice.
What a default actually costs: the Red Man Trucking judgment
This is the clearest published account of Ascentium's default mechanics, because the court had to work through every line of the damages calculation. In Regions Bank, dba Ascentium Capital as successor by merger to Ascentium Capital, LLC v. Red Man Trucking, Inc., Civil Action No. 8:24-cv-02541-TDC in the District of Maryland, a Bowie, Maryland trucking company signed Equipment Finance Agreement No. 2584523 on January 28, 2021 to buy a 2020 Kenworth W990. The lender advanced 206,854 dollars. Rodney Hill signed both as president and, in his individual capacity, as guarantor, agreeing to "unconditionally guarantee" the company's obligations. The guaranty expressly allowed the lender to "proceed against the guarantor before proceeding against" the company.
The agreement's default terms, as the court quoted them, are typical of the form:
Acceleration.
On default the lender may declare "all sums due and to become due under the EFA immediately due and payable, with all future payments discounted at three percent."
Late charge.
"Any amount not paid when due is subject to a late charge of the lower of ten percent of such amount or the highest amount allowed by law."
Default interest.
Interest on past due installments at the lesser of one and a half percent per month or the highest rate permitted.
Repossession.
The lender may take possession of the collateral, then sell, dispose of, hold or lease it.
Costs.
The borrower reimburses "all costs incurred to enforce our rights," including attorney fees.
The company missed a payment around November 1, 2023. The lender sent a Notice of Default and Acceleration on July 6, 2024, at which point nine months were in arrears. Three partial payments made in the interim, 2,500 dollars in November 2023, 3,300 dollars in December 2023 and 3,800 dollars in February 2024, were applied to older unpaid amounts and so did not reduce the arrears at all.
The outcome was a recommended default judgment of 146,838.47 dollars on December 8, 2025: 32,696.91 dollars in past due payments, 5,086.19 dollars in late charges, 630 dollars in collection expenses, and 108,425.37 dollars in future payments that had not yet come due, accelerated and discounted. On top of that, 10,895.63 dollars in attorney fees, 964.80 dollars in costs, and prejudgment interest from the November 2023 default at 69.59 dollars per day. The collection expenses line is itemised in a way most borrowers never see: 180 dollars of thirty dollar insufficient funds fees across six months, 200 dollars for an inspection in May 2022, and 250 dollars for an attempted repossession on July 14, 2023. Roughly two thirds of that judgment is money the borrower had not yet been billed for. That is the whole point of acceleration, and it is why the window in which a workout is cheap closes early.
Fees on top of the judgment: Central Medical Clinic of St. Paul
In Ascentium Capital LLC v. Central Medical Clinic of St. Paul, PLLC, and Alfonso Morales, Case No. 19-cv-02831 in the District of Minnesota, the court granted Ascentium summary judgment on March 26, 2021 and awarded 162,520.54 dollars in damages with post judgment interest at 71.24 dollars per day.
The outcome came in a second order on April 30, 2021, after the defendants, representing themselves, filed no objection. Judge Susan Richard Nelson awarded a further 36,973.56 dollars in prejudgment interest, 27,635.50 dollars in attorney fees and 1,145.90 dollars in costs, with the clinic and Mr. Morales "jointly and severally liable." The interest ran at 71.24 dollars per day for 519 days from thirty days after the September 24, 2019 demand. An unopposed collection action grew the debt by roughly 66,000 dollars in interest and fees on top of the principal judgment, and the individual guarantor is liable for all of it.
The 600,185 dollar judgment against Ascentium
The record runs in both directions, and this case is the largest single number in it. In October 2018, James Marshall, individually and doing business as Your Furniture Store, sued Ascentium and one Corey Bolton in Pulaski County Circuit Court in Arkansas. The complaint alleged that Bolton, acting as an agent or employee of Ascentium, "intentionally forged plaintiff's signature to an agreement with the purpose of defrauding him," that Ascentium knew of the forgery and used the forged lease in collection anyway, and that it "hired collectors and law firms to collect monies from plaintiff and other similarly situated business men whom they knew at the time were not indebted."
Ascentium's registered agent was served on December 19, 2018 and Ascentium filed nothing within thirty days. On August 21, 2019 the circuit court held a damages hearing, took Marshall's testimony that he had lost roughly 7,000 dollars a month since July 2017 because he could not accept credit cards, and entered judgment of 150,000 dollars in compensatory damages, 450,000 dollars in punitive damages and 185 dollars in costs, a total of 600,185 dollars.
Ascentium then spent four years trying to undo it. Its first appeal was dismissed as untimely, Ascentium Capital, LLC v. Marshall, 2021 Ark. App. 94, decided March 3, 2021. Back in the circuit court it argued the complaint failed to plead fraud with particularity, that the damages were unsupported, and that Marshall's counsel had failed to disclose a January 2019 conversation with an Ascentium senior account representative who said the company had ceased collection in June 2018 and that Bolton "was not, and had never been, an Ascentium employee." The circuit court denied the motion to set aside on June 3, 2021.
The outcome was affirmance. In Ascentium Capital LLC v. James Marshall, Individually and D/B/A Your Furniture Store, 2023 Ark. App. 236, 666 S.W.3d 866, decided April 26, 2023, Chief Judge Brandon J. Harrison held that the complaint, liberally construed, stated a claim for fraud, that the damages award was not clearly erroneous because the circuit court credited Marshall's testimony, and that Ascentium had no right to notice of the damages hearing because it had never entered an appearance. Arkansas Rule of Civil Procedure 55(b) requires notice only to a defendant who has appeared, and equitable considerations did not change that. The judgment stood in full.
What the record does not give you is a finding that Ascentium committed fraud after a trial. A default judgment establishes liability by non response, not by proof, and the Arkansas court said so expressly: "a default judgment establishes liability but not the extent of damages." Ascentium's denial that Bolton ever worked for it has never been tested either. Both facts belong in any honest account of this case.
Two appeals that ended without a merits ruling
In Linda C. Webb v. Ascentium Capital LLC, No. A22D0127, the Court of Appeals of Georgia denied the application for discretionary appeal in a single line order on December 1, 2021. In United States Fueling Company, LLC v. Regions Bank, as Successor by Merger to Ascentium Capital, LLC, No. A25A0503, the same court granted the appellant's own motion to withdraw the appeal on October 31, 2024.
The outcome in both is the same in substance: no appellate court examined the merits. Borrowers who reach that stage against this lender in the published record get a procedural exit, not a ruling on whether the contract was fair.
The ratings, and the gap inside them
We check the same sources for every company in this directory. Ascentium's come back mostly favourable, and reporting that plainly is what makes the harder findings above worth reading.
BBB rating.
A plus, accredited since February 1, 2015. The file was opened April 10, 2015 and lists the business start date as July 19, 2011.
BBB customer reviews.
4.89 of 5 as an average of 142 customer reviews across fifteen pages, with the ten most recent as of late August 2026 all at five stars. That is a genuinely strong score, and not one padded by a handful of entries.
BBB complaints.
11 complaints in the last 3 years, two closed in the last twelve months. For a lender originating well over a billion dollars a year, that is low.
Regulators.
A search of the Federal Trade Commission and Consumer Financial Protection Bureau enforcement records on September 2, 2026 returned no action against Ascentium Capital or against Regions Bank in connection with it.
Trade bodies.
The company displays Equipment Leasing and Finance Association and National Equipment Finance Association membership logos in its site footer.
A word on sourcing. The two populations behind those numbers are not the same people. Nearly all of the 142 reviews describe getting funded: speed, a helpful representative, an approval in two days. Almost none describe what happens two years later. The complaint file is where the second half of the relationship shows up. Read both, and do not let the average settle the question.
The four most recent published complaints concern a truck financed through a dealership shut down by law enforcement for fraud that never delivered the vehicle; a buyer told nine months after closing that he owed roughly 5,700 dollars more in fees than quoted; an end of lease dispute over buyout notice and fair market value on obsolete equipment; and a trucking lease assigned to Ascentium after the original lessor, T Pine Capital, filed for bankruptcy, where the customer says the replacement trucks and service promised in the original contract stopped.
The first is the vendor separation problem in its purest form. The complainant says the vehicle was never delivered, that he lost a 25,000 dollar down payment and paid 6,655.54 dollars in instalments anyway, and that the lender refused to cancel. Regions responded on July 9, 2026 that it had "closed this complaint with monetary relief," and the customer confirmed on July 10 that he had signed a settlement returning the down payment while the monthly payments were excluded. Both accounts are on the record. The fourth carries a separate lesson: an equipment finance agreement can be assigned to a completely different company, and the assignee enforces the paper it bought, not the promises the original vendor made.
How the company got here
- July 19, 2011
Ascentium Capital LLC begins trading in Kingwood, Texas, per the business start date on its BBB file.
- February 1, 2015
BBB accreditation begins. The file itself is opened on April 10, 2015.
- January 2017
Doctors Melby and Policarpio file their putative class action in the Northern District of Texas.
- March and September 2017
Fifty two Univest Capital contract suits are filed against individual physician MHT entities, each naming Ascentium Capital LLC as a party.
- April 14, 2017
Judge Lindsay denies the physicians' injunction and holds their pleadings deficient under Rule 9(b).
- August 21, 2019
A Pulaski County, Arkansas court enters a 600,185 dollar default judgment against Ascentium in the Marshall forgery case.
- February 27, 2020
Regions Bank announces its agreement to acquire Ascentium Capital from Warburg Pincus.
- March 26 and April 30, 2021
Ascentium wins summary judgment, then interest, fees and costs, against Central Medical Clinic of St. Paul.
- March 31, 2023
Ascentium Capital LLC merges into Regions Bank and stops existing as a separate legal entity.
- April 26, 2023
The Arkansas Court of Appeals affirms the 600,185 dollar judgment in 2023 Ark. App. 236.
- December 8, 2025
A Maryland magistrate judge recommends a 146,838.47 dollar default judgment against Red Man Trucking and its guarantor.
- June and July 2026
The most recent published BBB complaint, over a truck financed through a dealership shut down for fraud, is resolved with a partial monetary settlement.
What to check in your own paperwork
The exact name of your counterparty.
Ascentium Capital LLC before March 31, 2023, Regions Bank doing business as Ascentium Capital after it. Correspondence, settlement letters and bankruptcy schedules all depend on getting this right.
The agreement number.
Every court record and complaint that got a substantive answer cited one. Yours is on the first page.
The acceleration clause and its discount rate.
The published example discounts future payments at three percent. That number decides how much of your remaining term becomes payable the day they call the default.
The late charge and default interest.
Ten percent of each late amount and one and a half percent per month in the published example, both capped at the highest rate allowed by law.
The guaranty.
The Red Man guaranty allowed the lender to "proceed against the guarantor before proceeding against" the business. That is not the assumption most owners make.
The commencement date against your first due date.
The pro rated charge is one thirtieth of a payment for every day in between.
The soft costs.
Up to 30 percent of the financed amount can be delivery, installation, tax and maintenance rather than equipment. If the collateral is sold, that portion has nothing behind it.
Insurance.
If you never sent a certificate, check whether you have been billed for the lender's own coverage.
Anything the vendor promised that is not in the finance agreement.
Free equipment, a replacement truck every year, a buyback, a trade in. If it is not in the document the finance company holds, its position will be that it is not its problem.
Frequently asked questions
Is Ascentium Capital legit?
Yes. Ascentium Capital is a division of Regions Bank, a publicly traded Alabama state chartered bank. It began trading in 2011, was acquired by Regions in 2020 and merged into the bank on March 31, 2023. It holds an A plus rating from the Better Business Bureau, accredited since February 1, 2015, with an average customer review score of 4.89 of 5 across 142 reviews and 11 complaints in the last 3 years. A search of federal enforcement records on September 2, 2026 found no Federal Trade Commission or Consumer Financial Protection Bureau action against it. The criticism in the public record is not about whether the company is real. It is about what happens when the vendor fails or a payment is missed.
Is Ascentium Capital a merchant cash advance company?
No. Its products are equipment finance agreements and leases of up to 2 million dollars with terms up to 84 months, and working capital business loans up to 250,000 dollars. There is no factor rate, no purchase of future receivables and no daily debit. A published federal court record describes one agreement advancing 206,854 dollars against seventy-two monthly payments of 3,632.99 dollars, a total of 261,575.28 dollars. If a website tells you Ascentium charges factor rates or takes confessions of judgment, that page was written from a merchant cash advance template rather than from the company's documents.
Who do I actually owe money to on an Ascentium agreement?
Regions Bank. Ascentium Capital LLC and Regions Bank merged on March 31, 2023, Regions assumed the LLC's assets and liabilities, and Ascentium Capital is now a division of the bank rather than a separate legal entity. Ascentium's own website footer states it plainly: "Loans and leases provided by Regions Bank, member FDIC, doing business as Ascentium Capital." Recent lawsuits are captioned "Regions Bank d/b/a Ascentium Capital as successor by merger to Ascentium Capital, LLC." If you are sending a settlement proposal or scheduling a creditor in a bankruptcy filing, that is the name that has to appear.
The vendor never delivered my equipment. Do I still have to pay?
The finance company's position is that you do, and it has argued that in federal court. In the Melby class action the court recorded Ascentium's contention that buyers' remorse about a venture with an unrelated vendor "is not a valid basis for withholding payment under their agreements with Ascentium, which merely financed Plaintiffs' purchase from MHT." The Federal Trade Commission Holder Rule does not help you: 16 CFR 433.1(b) limits it to a natural person acquiring goods "for personal, family, or household use," and a business equipment agreement is not a consumer credit contract. That does not mean nothing can be done. It means the route runs through the contract terms, the facts of what each party knew, and negotiation, not an automatic legal defense.
What happens if I miss an Ascentium Capital payment?
The published agreement terms in the Red Man Trucking case set out the sequence. Any amount not paid when due carries a late charge of ten percent of that amount or the highest amount allowed by law, whichever is lower, and past due installments accrue interest at one and a half percent per month. The lender may then send a notice of default and acceleration declaring the entire remaining balance immediately due, with future payments discounted at three percent, and may repossess and sell the equipment. In that case the judgment came to 146,838.47 dollars, of which 108,425.37 dollars was future payments that had not yet been billed. Partial payments made after the default were applied to older arrears and did not reduce the amount in default.
Can an Ascentium Capital balance be settled?
Often, yes, though the strategy differs from a merchant cash advance workout. There is no factor rate to challenge and no reconciliation clause to enforce, so the leverage sits in the arithmetic: the accelerated total plus fees against what the equipment would realise on a sale, the guarantor's genuine exposure, and how early you move. Every published judgment reviewed for this page grew substantially between the missed payment and entry of judgment through late charges, default interest, collection costs and attorney fees the borrower had contractually agreed to pay. No firm can guarantee an outcome, and any that does is not describing this market accurately.
If the payments are the problem
Most business owners who reach us are carrying several agreements rather than one, and an equipment finance contract like this is usually the largest and the longest of them. Because it is bank paper with collateral behind it, it behaves differently from the advances sitting alongside it, and treating the whole stack the same way is the mistake that costs the most.
The practical takeaway is that the leverage in an Ascentium file sits in three places: the accelerated total plus fees compared with what the equipment would actually fetch at auction, the personal guarantor's real exposure, and timing. Every published judgment in this article grew substantially between the missed payment and the entry of judgment, through late charges, default interest, collection expenses and attorney fees the borrower had agreed in advance to pay. The cheapest day to deal with this is the earliest one. Send us the agreement, the notice of default if you have one, and your recent statements, and we will tell you in writing what is realistic, including if we do not think we can help.
This article summarizes public records as of September 2, 2026: Ascentium Capital's own published pages at ascentiumcapital.com, including its product, credit criteria and frequently asked questions pages and its site footer disclosure; the Better Business Bureau profile, customer review file and complaint file for Ascentium Capital of Kingwood, Texas; the memorandum opinion and order in Melby v. America's MHT, Inc., No. 3:17-CV-155-L (N.D. Tex. filed Apr. 14, 2017); the report and recommendation in Regions Bank dba Ascentium Capital v. Red Man Trucking, Inc., No. 8:24-cv-02541-TDC (D. Md. Dec. 8, 2025); the order in Ascentium Capital LLC v. Central Medical Clinic of St. Paul, PLLC, No. 19-cv-02831 (D. Minn. Apr. 30, 2021); Ascentium Capital LLC v. Marshall, 2023 Ark. App. 236, 666 S.W.3d 866, and 2021 Ark. App. 94; the Georgia Court of Appeals orders in Webb v. Ascentium Capital LLC, No. A22D0127, and United States Fueling Company, LLC v. Regions Bank, No. A25A0503; federal docket data from CourtListener and RECAP; the Regions Financial Corporation investor announcement of February 27, 2020; and 16 CFR Part 433. Lawsuit references are to filings, allegations and holdings as described in those records, not to findings we have made, and review figures change over time. Allegations in a filed complaint are allegations only. A default judgment establishes liability by non response rather than by proof. Nothing here is legal advice. Business Debt Adjusters helps business owners restructure business debt; that is our interest in the subject, and readers should verify every figure against the primary sources.
Where to go from here
If business financing payments are squeezing your operation, start with how MCA debt relief works, run your numbers through the MCA true-cost calculator, read our Ascentium Capital review, and if you also carry merchant cash advances see our MCA debt relief companies compared page, see how relief works for trucking companies and owner operators, or get a free consultation on your specific file.
