Equipment financing for every credit tier — when you'd rather call a person than a bank.

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 captive'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 captive 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 captive 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

Dealers: we close the deals your captive sent back.

If you're a truck dealer, equipment dealer, or vendor, the deals your captive 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, Camron, Rodney, Andy, and Kathleen.
• One relationship, every dealer. Get approved with us once and we'll finance with any vendor.
• BBB A+ Accredited. Verifiable.

What this looks like in practice

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 by a lender 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.

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.

Diane's response: "Thank you. You are way more thorough and straightforward than the other company was."

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.

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