Flexible AV financing & leasing for modern organizations.

AV-as-a-Service (AVaaS) is a subscription-based model for acquiring audio visual technology. Instead of paying a large upfront capital expense, organizations pay a fixed monthly fee that bundles hardware, software, installation, training, and ongoing support into a single contract.

AVaaS gives you predictable budgeting, the flexibility to upgrade as technology evolves, and operating-expense (OpEx) treatment for accounting purposes — without tying up working capital in depreciating equipment.

Financing (such as an Equipment Finance Agreement) is a loan — you take title to the equipment from day one and pay it off over fixed monthly installments.

Leasing means the lender owns the equipment and you pay for the right to use it. At end of term, depending on the lease type, you can return it, renew, buy it for $1 (a $1 buyout lease), buy it for 10% of original cost, or buy it at fair market value (FMV).

Leasing typically delivers lower monthly payments and OpEx accounting treatment; financing builds equity and may qualify for Section 179 depreciation. Creation Networks' finance advisors help you choose between the two based on tax position and asset lifecycle.

A $1 buyout lease (also called a capital lease or lease-to-own) is structured so you own the equipment at the end of the term for a $1 purchase price. Monthly payments are higher than a fair-market-value lease, but you build equity throughout the term and own the asset outright at the end.

It's the right structure for long-life AV assets — video walls, control rooms, structured cabling — where you'll keep the equipment well past the lease term and want depreciation treatment.

A Fair Market Value (FMV) lease is a true operating lease. You make fixed monthly payments for the use of the equipment; at end of term, you can return it, renew the lease, or buy it for its current fair market value.

FMV leases offer the lowest monthly payments and frequently qualify for off-balance-sheet treatment — making them a strong fit for fast-evolving technology like displays, projectors, and conferencing kits that you'd rather refresh than keep.

AV financing through Creation Networks and Ascentium Capital starts at $10,000 with no upper limit. We typically finance projects up to $2 million and beyond, with structured options available for larger enterprise rollouts.

For purchases up to $400,000, we offer an "application-only" process — no full financial statements required, just a one-page application and a soft credit pull for personal guaranty.

Standard terms run from 24 to 60 months, with most AV systems financed over a 36-month or 60-month schedule to match a typical 3–5 year asset lifecycle.

We also offer:

• Deferred payment programs — push your first payment 60–90 days out
• Seasonal payment structures — for businesses with cyclical revenue
• Municipal financing — annual or semi-annual payment schedules for public-sector buyers

Application-only AV financing typically requires a minimum personal FICO score of 650 on the principal guarantor, plus 2+ years of business operating history.

Below 650, or for newer businesses, financing is still available — but underwriting will likely request additional documentation (financial statements, bank statements, tax returns). Our team will help structure the right approach.

For application-only financing under $400,000, same-day approval is common and funding within 24 hours of approval is possible. Larger transactions requiring full financial review typically close within 3–5 business days.

The fastest path is to submit the online application directly through Ascentium Capital's portal — most decisions return in hours, not days.

Rates start as low as 7.5%* for established businesses with strong credit, ascending based on term, structure, business history, and credit profile. Because Ascentium Capital is a division of Regions Bank, our rates are typically more competitive than independent finance companies.

The fastest way to get an exact rate quote is to use the payment calculator or submit the online application — both run a soft credit check that won't affect your score.

*Rates subject to credit approval. Actual rate determined by term, transaction size, and credit profile.

Our 100% financing program lets you bundle the entire AV project into a single monthly payment. That includes:

• Hardware — displays, video walls, projectors, conferencing kits, control systems, audio gear
• Software & licensing — CMS, control software, conferencing platforms
• Installation labor — design, project management, on-site install
• Soft costs — shipping, sales tax, training, freight
• Service plans — extended warranties, AVaaS support, maintenance contracts

Result: little to no money down, and one predictable monthly payment instead of a stack of separate invoices.

We finance the full range of commercial audio visual projects, including:

• Conference rooms & Microsoft Teams Rooms / Zoom Rooms
• Digital signage and menu boards (single screen to enterprise rollouts)
• LED video walls — indoor and outdoor
• Command and control rooms (NOC, SOC, EOC, JOC, C4ISR)
• Broadcast and production studios
• Distance learning and lecture-capture systems
• House of worship AV systems
• Retail showroom and lobby experiences

For most operating leases (FMV and AVaaS structures), monthly payments are typically classified as operating expenses and may be fully deductible in the year paid — subject to your tax situation and IRS rules.

Capital leases ($1 buyout) and equipment finance agreements treat the equipment as an asset on your books, with depreciation and interest deductions available. Section 179 expensing may apply.

This is general information, not tax advice. Always consult your CPA before structuring an AV financing arrangement around a specific tax outcome.

Some operating leases (typically FMV structures and AVaaS subscriptions) historically qualified for off-balance-sheet treatment. Under current accounting standards (ASC 842 in the US), most leases over 12 months must now be reported on the balance sheet as a right-of-use asset and lease liability.

The accounting impact varies by structure and entity type — confirm with your accounting team before assuming off-balance-sheet treatment.

Ascentium Capital is an award-winning commercial lender specializing in technology and equipment financing, and a division of Regions Bank. They've funded billions of dollars of equipment financing across hundreds of industries.

Creation Networks partners with Ascentium because their bank-backed rates, application-only ceilings up to $400K, and 24-hour funding speed match the way our customers actually buy AV — fast, flexible, and bundled with everything from software to install.

Yes. Pre-qualification is an informal estimate of how much you can finance, typically with no financial documents or hard credit pull required. It's a smart first step before scoping a turnkey AV system, so the design can be sized to a budget you know you'll have.

Call our finance advisors at 1.888.230.3661 or submit the contact form for a no-obligation pre-approval.

End-of-term options depend on the lease structure:

• $1 buyout lease — Pay $1 and own the equipment outright
• 10% purchase option — Pay 10% of original cost to take ownership
• FMV lease — Return it, renew the lease, or buy at fair market value
• AVaaS subscription — Continue, upgrade to new tech, or end the contract

Roughly 90 days before lease end, our team reaches out to walk through your options so there are no surprises.