Trust Alliance Capital is a 22-year-old commercial equipment finance company. When your bank or the dealership's finance company declines your equipment loan, we have the program that fits. We give you options.
A real person answers the phone. In about three minutes you'll know if we can help.
Why California operators choose us
Most agriculture buyers in California run into the same wall: the dealership's finance company turns them down for one reason — time in business, credit profile, age of equipment, prior BK. The bank takes weeks and asks for paperwork that isn't relevant. The deal dies on a technicality, not because the customer can't afford the equipment.
That's our business. We've spent 22 years building programs for the deals other lenders can't fit. Across every credit tier. 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.
What we know about California agriculture financing
California is the #1 U.S. ag-revenue state — Central Valley specialty crops (almonds, grapes, pistachios, dairy, leafy greens) drive demand for vineyard tractors, orchard sprayers, and specialty harvesters
Central Valley dairy operations drive sustained demand for TMR mixers, feed-loader payloaders, and dairy-spec tractors
Salinas-Valley vegetable operations and Imperial Valley row-crop work generate niche demand for transplanters, harvesters, and high-HP narrow tractors
We work with operators across California's major metros — including Fresno, Bakersfield, Modesto, Salinas, and Visalia.
We routinely close deals at the major California agriculture dealers, including RDO Equipment (Deere), Quinn Equipment (CAT), Holt of California, Belkorp Ag (Deere), and Pape Machinery — and any other vendor or private seller you choose. Once you're approved with us, you can carry your financing across dealers.
Tell us about the agriculture you're financing in California.
Three minutes on the phone and you'll know what your deal looks like.
Who we fund in California
Strong-credit operators who want the convenience of an equipment-finance specialist instead of bank paperwork. App-only, mostly phone and email.
Established businesses scaling fleets that need fast underwriting without bank back-and-forth.
First-time buyers who can't get past a dealer's captive on time-in-business or down-payment requirements.
Operators with prior BK, slow pay, or thin file who need a finance company that will work the deal, not auto-decline.
Buyers of used equipment outside captive age and hours limits.
Operators who want one financing relationship across many dealers — TAC carries with you. Get approved once, work with any vendor in California.
What this looks like in practice
A Central Valley almond grower replacing an aging orchard sprayer with a new low-profile model called us after the dealer's finance company declined his application. Three minutes on the phone and we'd identified the program that fit his file. We told him exactly what to expect — what to send, what the down payment range would look like, when he'd have an answer back.
Closed inside a week. Equipment delivered. Operator back to work.
It's rare we send anyone away without an option.
What our customers say
Real reviews from operators we've funded. Verified five-star reviews from our public profile.
★★★★★
Tyson's Peterbilt 389 and hopper trailer at the fuel island
“Camron is the best. I had less than perfect credit and he went above and beyond to help me secure financing for a semi and trailer. He took care of everything and made it easy to get everything done. Will use them again in the future.”
— Tyson O. · Owner-Operator · worked with Camron
★★★★★
“Logan is very professional and I recommend him to anyone looking to purchase a truck. He goes above and beyond for his customers.”
— Antoin Z. · worked with Logan
Recently funded agriculture deals in California
A sample of the California files we've closed in the last few months. Names and identifying details redacted; the deals are real.
Established almond operation replaced an aging air-blast sprayer with a new low-profile orchard model. Clean credit, strong receivables, app-only approval, three-day close.
Tulare County dairy — TMR mixer add
Multi-site dairy added a new 1,200 cu ft vertical TMR mixer for an expansion barn. Repeat customer, clean credit, four-day close.
Salinas Valley first-time tractor buyer with thin file
Beginning row-crop operator going from leased equipment to owned. Mid-600s credit, two clean years Schedule F. Funded a used 110-HP narrow Kubota on a startup program with 15% down.
How we structure agriculture deals in California
You call us or send the application. Three-minute phone diagnosis or 60-second pre-qual form.
We underwrite your profile — terms based on credit tier, equipment age, time in business, industry, and what's funding today. We're a fishing guide for commercial finance.
We bring real terms. Not "rate starts at" marketing numbers. Down payment, monthly payment, term, and what we'd need to close.
You sign and get insurance, the equipment funds. Direct to the dealer or vendor. DocuSign close in many cases.
From first call to funded equipment, most deals close in a week or less.
Also financing in California
We work with operators across every equipment category. If you're buying something other than agriculture in California, we probably have a program for that too.
Ready to talk about your California agriculture deal?
Call 208-534-8525 · A real person picks up
Or
Or apply online here
Talk to a real person about your equipment deal.
Drop your number and a quick note about what you're financing. A real person picks up — usually Spencer first — and in about three minutes you'll know if we can help.
