22 years, family-owned, same phone number.
We started in 2004 in Kaysville, Utah. Same family. Same office. Same Spencer answering the phone. Programs across every credit tier, built one funded deal at a time.
Why we exist
Equipment buyers get declined every day by the dealership's finance company because those programs only fund the cleanest paper. Startups. Owner-operators. Used equipment. Prior bankruptcies. Buyers who don't fit a single credit box.
We've spent 22 years building programs specifically because we kept running into deals existing programs couldn't fund. Every time a deal got declined for a reason that wasn't actually credit-quality — age of equipment, time in business, prior BK, used vs. new — we built or sourced a program that would say yes to that profile. The breadth of programs is the moat.
Our customers are operators, not office people. They're digging holes, driving trucks, mowing lawns, hauling cars, running a CNC machine, or running a dental practice. They don't have a CFO or a finance department. They don't know how to talk to bankers. They don't need to. They just need to call us — we'll be the experts. We'll present them in a way a program will pick them up.
Real people, every call
Trust Alliance Capital is a small team of named humans, not a call center. When you call 208-534-8525, you talk to one of us — usually Spencer first, who'll connect you with the account manager who specializes in your industry.
Rodney — Founder
Founded Trust Alliance Capital, 2004
Rodney started Trust Alliance Capital in Kaysville, Utah in 2004. He built the company one funded deal at a time — same office, same family, same approach. He's still here every day, working alongside the team he built.
Spencer Sessions — Chief Credit Analyst
Chief Credit Analyst
Spencer's voice is what most customers hear first. He's been reading commercial credit files for 12 years and runs the credit desk at TAC — diagnosing deals in three minutes, working the file himself, and connecting you with the right account manager.
The rest of the team
- Camron Hanna — Account Manager
- Andy Crapo — Account Manager
- Logan Cleveland — Account Manager
- Kathleen Lauck — Admin Assistant
No phone tree. No call center. No automated routing. A real person picks up — and in about three minutes you'll know if we can help with your deal.
Inside our Kaysville office
Same office since 2004. Stop by if you're nearby — we'd rather you put a face to the voice on the phone.
How we think about your deal
We think of ourselves 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. Programs move in and out of industries, change their credit boxes, tighten up after a bad year, open back up after a good one.
A small business owner has no way to know any of this. They only know that the bank said no, or the dealership's finance company said no. Our job is knowing what's working today — by industry, by credit tier, by equipment age, by owner profile. That's what 22 years buys you, and that's what we bring to your deal.
It's rare we send anyone away without an option. Often the option is a higher down payment. But almost always there's an option.
What customers say
"Spencer is absolutely the most personable and responsive person I have ever dealt with in the industry. I have been dealing with Trust Alliance Capital for about 6 years now." — David, SelecTrucks of Greensboro, NC
"I would highly recommend him and Trust Alliance Capital as a source for financing commercial trucks." — Bobby Janutolo, Triad Freightliner of TN
"He is great with follow up and is a man of his word." — Andy, Dad's Truck Sales, Idaho Falls, ID
Find us
Trust Alliance Capital, Inc.
186 N 100 E, Suite A
Kaysville, UT 84037
208-534-8525 · spencer@trustalliancecapital.com
BBB Accredited Business · A+ Rating · Family-owned since 2004
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