(801) 332-9756

Financing for the iron that earns.

Trucks, construction, manufacturing, farm, and thirty more equipment programs. One application. Every credit tier. Three minutes on the phone gets you an answer.

Call (801) 332-9756
$500MM+
funded since 2004
4,000+
deals closed
22 years
family-owned, Kaysville UT
5.0 ★
Google reviews · BBB A+

Recently funded

October 2026

Drake Lewis LLC, Centerville, Utah

Full Rogue gym build-out, about $48,000

Drake coached CrossFit for five years and waited tables to pay for it. This fall he signed a lease on his own space in Centerville and sent us a Rogue quote for the whole floor: racks, rigs, plates, dumbbells, storage, rubber flooring and turf. He applied on a Sunday and was approved Monday. Docs were signed that Thursday, Rogue was paid the following Monday, and the equipment was on his floor two weeks after he applied. First commercial purchase, and he worked with the same account manager from the first call to the day the truck showed up with a liftgate.

October 2026

Sierra Nevada Turquoise, Carson City, Nevada

2013 Komatsu excavator, about $50,000

Jacob and Kevin mine turquoise in the Nevada desert and had always paid cash for their equipment, so there wasn't much borrowing history to go on. For a 2013 Komatsu excavator from a Carson City dealer, we structured a 36-month lease with a solid down payment, no prepayment penalty, and the machine free and clear at the end of the term. Approved in three days.

October 2026

Dedicated Global Express, Mississippi

2021 International MV607, about $43,000

Juquaires worked for a contractor on an Air Force base in Mississippi, picked up hauling experience on the side, and had been thinking about his own truck for a long time. He had strong credit, but this was his first borrowing on a brand-new company, which is where most banks stop. We didn't. He found a 2021 International MV607 at a small independent dealer, put roughly $7,000 down, and was approved within the week. His account manager walked him through everything that comes after an approval: setting up his authority, getting insurance in place, what the dealer needed for the title. He had a lot of questions and one phone number to call with all of them. Kathleen in our office closed out the paperwork, but the same account manager was on his file from the first call to funding.

Real customers, real deals. Terms vary by file; every deal is reviewed individually.

Tell us about your deal. We'll call you back today.

In about three minutes you'll know if we can help.

(801) 332-9756

Or call (801) 332-9756 directly · A real person picks up

It's rare we send anyone away without an option.

We're a flexible equipment finance company. That means we don't have one credit box to fit you into. We have programs across every credit tier. Often the option is a higher down payment.

Think of us as a fishing guide for commercial finance. Industries shift constantly and markets go up and down. What worked in trucking last year doesn't work this year, and what closed for a contractor in 2024 may not close in 2026. Our job is knowing what's working today, by industry, by credit tier, by equipment type. You don't need to be an expert on financials. You just need to call us.

We work with:

  • Strong-credit operators who want the convenience of an equipment-finance specialist instead of a bank's paperwork shuffle. App-only, mostly phone and email, no branch visits.
  • Established businesses scaling fleets that need fast underwriting without the bank back-and-forth.
  • Owner-operators and first-time buyers who can't get past a dealer finance's tenure or down-payment requirement.
  • Dealers and vendors who need a finance partner that calls back the same day and closes deals their in-house finance turned down.
  • Operators with prior BK, slow pay, or thin file who need a finance company that'll work the deal, not auto-decline it.
  • Buyers of used iron outside dealer finance age and hours limits.
  • Operators who want one financing relationship across many dealers. TAC carries with you. You get approved once and we work with any vendor.

Strong credit usually gets zero down. Lower credit usually gets a higher down payment. We're flexible enough to handle every scenario.
No one bank beats our flexibility.

See how we structure deals

How we stack up against banks and dealer finance companies

Most commercial finance falls into one of three buckets. Here's where each one fits. And where each one breaks.

  Trust Alliance Capital Bank Dealer's Finance Co.
Decision time 1–3 business days 2–4 weeks Same day on prime, weeks on B/C
Credit tiers served A through C. Startup, prior BK Prime only A and B, brand-specific
Down payment Flexible, $0 on strong credit Bank policy, no exceptions Brand policy, brochure rates
Who answers the phone Your account manager, direct Loan officer voicemail Finance manager. When on the lot
Use at any dealer One approval, any vendor One bank, one piece of iron Locked to that brand
Specialization Commercial equipment only Generalist. Mortgage to credit card One brand of equipment

Banks are great when you fit their box. The dealer's finance company is great when you're buying their brand. We're built for everything else.

What we finance.

Thirty-six equipment programs. These are the ones we're asked about most.

Commercial Trucks

Semi trucks, sleeper and day cab, owner-operator and fleet.

Vocational Trucks

Dump, box, refrigerated, service, vacuum.

Construction Equipment

Excavators, dozers, skid steers, loaders, attachments.

Medical & Dental

Imaging, chairs, lasers, practice startup.

Manufacturing & CNC

Machining centers, lathes, press brakes, fab.

Landscaping & Turf

Mowers, trailers, skid steers, tree care.

Horizontal Directional Drills

Vermeer, Ditch Witch, American Augers, full utility spread.

Box Trucks

16-26 ft box trucks. Used Penske, Ryder, Enterprise units a specialty.

Tow Trucks & Wreckers

Light-, medium-, heavy-duty wreckers and rollbacks.

Farm & Ag Equipment

Tractors, combines, planters, pivots. Any dealer, one approval.

Forklifts & Material Handling

IC and electric forklifts, reach trucks, telehandlers, finance or lease.

Dry Van Trailers

53-ft dry vans, new or fleet-sale used, trailer-only or with the tractor.

Commercial Gym Equipment

Racks, rigs, cardio, full facility build-outs. Commercial use only.

See all equipment →

Programs for every commercial vertical we serve.

Dealers: we close the deals your dealer finance sent back.

If you're a truck dealer, equipment dealer, or vendor, the deals your dealer finance declines aren't dead, they're ours. We've spent 22 years building programs specifically to fund the customers your in-house finance source can't.

  • Same-day callbacks. We pick up the phone.
  • Direct-to-owner relationship. You talk to your assigned account manager. Not a call center.
  • Credit tiers from A through C. Startup, prior BK, slow pay, used iron. All on the table.
  • Dealer portal and direct submissions. Send us the deal, we work it.
"Spencer is absolutely the most personable and responsive person I have ever dealt with in the industry." — David, SelecTrucks of Greensboro, NC (6-year TAC customer)

Become a referring dealer

Why operators and dealers stay with us

  • Family-owned since 2004. Same ownership. 22 years.
  • Programs across every credit tier.
  • It's rare we send anyone away without an option; worst case a large down payment.
  • You talk to a real person, every time. We'll connect you with the account manager who specializes in your industry. Our team includes Logan (Senior Account Manager), Camron, Andy, and Rodney.
  • One relationship, every dealer. Get approved with us once and we'll finance with any vendor.
  • BBB A+ Accredited. Verifiable.
Case file · OTR owner-operator

The deal a bank approved, then walked away from.

$90K
Kenworth W900
$0
Down payment
3 days
App to delivery
1 call
To know it was a fit

Diane and Mark, a husband-and-wife OTR team, found us on Google and called the main line. Spencer answered in person. They were so startled they hung up thinking it was a wrong number, then called back to confirm it was a direct line.

They'd been pre-approved somewhere else and were ready to close. Or so they thought. The bank then asked for bank statements as a stipulation, and afterward declined the deal for not meeting their requirements. Bait and switch. Hero then villain.

Their cash-heavy operation didn't show strong on paper. But they'd never missed a payment on their previous truck.

"Thank you. You are way more thorough and straightforward than the other company was."
— Diane, after the first call

Within three minutes Spencer had diagnosed the deal as a fit for one of our programs. He told them exactly what to expect. One-day approval, what to send, strong chance of zero down based on prior commercial credit, three-day closing.

Kenworth W900, $90,000. Approved. Then negotiated to zero down by structuring a third-party warranty in place of the dealer warranty. DocuSign close. Funded. Truck delivered.

Same scenario in your driveway?
Pre-approved somewhere, then they pulled the rug. Call us.

What our customers say

"Words can't express how grateful I am for getting linked with Spencer from Trust Alliance Capital. The moment we spoke I knew he was gonna be the right fit for what I needed. He gave me several options to choose from and was very knowledgeable about each one. I was very appreciative that he was very honest and straightforward with me and always responded back quickly." — Rich, NC
"Mr. Logan Cleveland got me approved with no money down with Trust Alliance Capital. I have been driving for 12 yrs. My business is running strong — he was a blessing to me and my family. Paperwork was done in days not weeks. If you are needing a semi truck financed, ask Mr. Logan Cleveland." — William, TX
"Trust Alliance stood out from the rest. Their rep Logan Cleveland was by far one of the most diligent and effective guys I ever worked with. His level of follow up was unsurpassed. If you have to deal with anybody, deal with him." — Devyn, MD (Owner-Operator)
"I'm the owner of a trucking company and I had a great experience with Trust Alliance Capital. Rodney was our agent and he was extremely knowledgeable and helpful. I would give all of the staff at Trust Alliance Capital 5 Stars and highly recommend them." — Dempsey, FL

From application to funded in days, not weeks

  1. Apply or pre-qualify. 60-second pre-qual form, no hard pull.
  2. We underwrite your deal.
  3. You get terms. We bring back real terms, not "rate starts at" marketing numbers.
  4. You sign and the equipment funds. Direct to the dealer or vendor.

Start the 60-second pre-qual

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Spencer Sessions, Chief Credit Analyst at Trust Alliance Capital

Spencer Sessions, Chief Credit Analyst

Ready to fund the deal your bank or dealer's finance company declined?

Call (801) 332-9756 · A real person picks up
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