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.
$500MM+ funded since 2004
4,000+ funded deals
22 years family-owned
5.0 ★ Google reviews
BBB A+ accredited
Why California operators choose us
Most trailer 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 trailer financing
Ports of LA / Long Beach drayage drives the largest container chassis demand market in the country
Central Valley agricultural freight (produce, dairy, wine) generates heavy reefer trailer demand year-round
CARB emissions and trailer-aero compliance push California operators toward newer trailers more aggressively than other states
We work with operators across California's major metros — including Los Angeles, Bay Area, Central Valley, San Diego, and Sacramento.
We routinely close deals at the major California trailer dealers, including Great Dane Los Angeles, Utility Trailer Sales Los Angeles, TEC Equipment, Wabash National Stockton, and Stoughton Trailers California — 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 trailer 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.
Insurance partner
Need commercial truck or trailer insurance?
We refer truck and trailer insurance to Ten Four Insurance. They specialize in operators going independent, fleets adding equipment, and new-authority owner-ops — the same kind of customers we fund. They usually quote fast.
A Fontana-based drayage operator adding a container chassis for Long Beach port runs 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
★★★★★
“I was looking to buy a newer truck and Logan Cleveland helped me get that done when I didn't think it was possible. Thanks Logan for everything — I will come back to you again.”
— Darin H., NV · worked with Logan
Recently funded trailer 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/Long Beach drayage chassis add
Two-truck drayage operator added a new container chassis for port runs. Clean credit, repeat customer, app-only approval, three-day close.
Central Valley reefer trailer add for produce hauler
Established Salinas-area produce hauler added a Utility 3000R reefer for a new West Coast DC contract. Mid-700s credit, app-only, four-day close.
San Diego first-time dry van buyer
Eleven-year company driver going owner-op. Mid-600s credit, cash for a down payment. Funded a used Great Dane 53-foot dry van on a first-time owner-op program with 15% down.
How we structure trailer 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 trailer in California, we probably have a program for that too.
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.
