Restaurant financing for California operators.
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 restaurant 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 restaurant financing
- California has more restaurants per capita than nearly any U.S. state — LA, Bay Area, and San Diego drive enormous demand for commercial kitchen equipment, walk-in coolers, and ventilation hoods
- Food-truck culture in LA and the Bay Area has built one of the densest mobile-kitchen markets in the country — financing food trucks, pizza trucks, and commissary kitchens is a high-volume vertical
- Wine-country and farm-to-table restaurants across Napa, Sonoma, and Santa Barbara drive demand for high-end ranges, pizza ovens, espresso machines, and refrigerated display cases
We work with operators across California's major metros — including Los Angeles, San Francisco, San Diego, Sacramento, and San Jose.
We routinely close deals at the major California restaurant dealers, including Restaurant Depot, Mission Restaurant Supply (CA), WebstaurantStore, KaTom Restaurant Supply, and Strategic Equipment — 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 restaurant 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 finance company 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 dealer finance 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
An LA-area pizzeria operator financing a wood-fired oven for a second location 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.
★★★★★
“I am an Owner-Operator and I was looking to finance the balloon payment on my rig outside of the company I was with. I started searching online and in the local truck stop magazines for a company that could assist in this endeavor. I had multiple companies approach with possible options. 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. He kept me in complete contact and really helped me at every turn through the process. If you have to deal with anybody, deal with him. He's not only an asset to Trust Alliance, he'll be an asset to you. If I have to do the process again, Logan will be the first and last call I make.”
— Devyn, MD · Owner-Operator · worked with Logan
★★★★★
“I worked with Camron Hanna on a financing deal that wasn't easy at all. The amount was high and the approval process was complicated, but he still got it done. I've dealt with other brokers before, and honestly none of them handled things the way he did. Camron stayed on top of everything from start to finish. He explained each step clearly, answered every call and text, and made sure the deal didn't fall apart even when things got tricky. He pushed the process forward and got me an approval. The whole team at Trust Alliance Capital is solid. They're organized, responsive, and you can tell they know what they're doing. It's rare to find a company that actually takes the time to help, especially with bigger and more challenging files. I highly recommend working with them.”
— Alican A. · worked with Camron
Recently funded restaurant 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.
LA pizzeria — wood-fired oven for second location
Established two-year-old pizzeria opening a second location financed a new wood-fired oven, walk-in cooler, and prep package. Clean credit, strong sales receipts, app-only approval, four-day close.
Bay Area food truck startup — first-time owner
First-time food truck operator with prior restaurant experience. Mid-600s credit, cash for down payment. Funded a turnkey food truck buildout on a startup program with 15% down.
Sonoma County wine-country restaurant — equipment refresh
Established farm-to-table restaurant added new range, hood, and walk-in cooler for kitchen refresh. Repeat customer, clean credit, three-day close.
How we structure restaurant 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.
Where in California we've worked
Trust Alliance Capital has funded 73 customers across 52 cities in California — including operators in:
We fund operators in towns of every size — if your city isn't listed, that doesn't mean we can't help. Funded in California since 2004. Same family. Same office. (801) 332-9756 rings to a real person.
Also financing in California
We work with operators across every equipment category. If you're buying something other than restaurant in California, we probably have a program for that too.
Ready to talk about your California restaurant deal?
Call (801) 332-9756 · A real person picks up
Or
Or apply online here