(801) 332-9756

22 years of commercial truck financing. Faster than the bank. Carries across dealers.

22 years funding semi trucks for owner-operators, fleet expansion, first-time buyers, used trucks, and prior BK. Strong-credit operators come to us for the speed and the convenience — no bank paperwork shuffle, and an approval that carries across any dealer. Credit-challenged operators come to us because we have programs the dealer's finance company doesn't carry. Either way — real person on the phone, three-minute diagnosis.

Get Pre-Qualified in 60 Seconds Call: (801) 332-9756

Who we fund

  • Strong-credit operators who want the convenience of an experienced equipment-finance specialist instead of the bank paperwork shuffle. App-only, mostly phone and email — no branch visits.
  • Established carriers scaling fleets. Adding truck two, three, or your tenth — we structure it, fast.
  • First-time owner-operators. No fleet history required. We have programs for CDL holders going independent.
  • Buyers of used trucks. Trucks outside the dealer's finance-company age and mileage limits. We have programs that fund older equipment.
  • Buyers with prior BK. Discharged Chapter 7 and Chapter 13 funded all the time.
  • Established carriers with credit hits. 5–15 year operators who hit a rough patch — we know how to work the file.
  • Operators who want one financing relationship across many dealers. Get approved with us once, walk into any lot knowing your number.

How much do you need down for a commercial truck?

The honest answer: it depends on your credit, how long you've been operating, and whether you've financed commercial equipment before. Here are the ranges we're placing right now:

  • $0 down (zero down) — 700+ credit score, 2+ years time in business, and at least 12 months of prior commercial borrowing history (24 months preferred). Manufacturer finance programs and top-tier lenders. We do these all the time.
  • 10% down — 700+ credit and 2+ years CDL experience, but no prior commercial borrowing history yet. Homeownership preferred. Programs built for strong-credit operators who are just establishing their business borrowing history.
  • 20% down — 625–700 credit score. Some startups fit here too if credit is strong. This is a common bucket — a lot of the deals we place fall between 10% and 20% down.
  • 25%–40% down — Below 625 credit score, credit with issues showing, non-CDL startups, startups with a lower score, high-mileage trucks outside normal lending criteria, older equipment, or private-party sales. Still fundable — we structure creatively and place through programs designed exactly for these files.

Every deal is a mix of credit, time in business, equipment age and miles, and cash reserves. We can usually tell you within 3 minutes on the phone which bucket your deal falls into. Call (801) 332-9756 or pre-qualify in 60 seconds.

First-time commercial truck buyer? Here's what to expect

Buying your first 18-wheeler as an owner-operator is a different lending decision than a fleet's second or tenth truck. Here's how we approach it:

  • CDL experience matters more than business credit. 2+ years driving as a company driver or leased-on is the CDL history the startup owner-op programs need to see.
  • Down payment is your leverage. 10% down on an $80K used truck opens more programs than 0 down on a $150K new one. If you're stretching, buy less truck.
  • Authority status changes the deal. Your own MC/DOT versus leasing on to a carrier. Some programs prefer one over the other — we place accordingly.
  • Used trucks fund fine. The dealer's finance company might have a 6-year, 500K mile cutoff. We have programs that go older and higher-mileage — the trade-off is in the down payment and rate.
  • Prior BK doesn't kill the deal. Discharged Chapter 7 (2+ years out) and dismissed 13 fund all the time. New authority + prior BK on the credit typically lands in the 25% down range.

We fund husband-and-wife OTR teams, drivers going independent after a decade at Schneider, and company drivers buying their first sleeper. Whatever the file looks like, one phone call tells you the plan.

Pre-qualify in 60 seconds — no credit pull

Kenworth T800 commercial truck financed by Trust Alliance Capital

New, used, or private-party — we fund the truck

Sleeper cabs, day cabs, glider kits, high-mileage units the dealer finance won't touch. We've funded trucks from major dealers, regional lots, and private sellers in every region. One approval with us carries across all of them — you walk onto any lot already knowing your number.

Get pre-qualified in 60 seconds

Recently funded truck deals

A sample of what we've closed in the last few months:

  • Husband-and-wife OTR team — Kenworth W900, zero down by structuring a third-party warranty. DocuSign close. Funded in three days.
  • Fleet expansion, adding truck three — established trucking company, 12-year customer, repeat deal through TAC.
  • First-time owner-operator — 12-year company driver going independent, approved with no money down through Logan.
  • Used semi from a private seller — older truck outside the dealer's finance-company age window, funded with a higher down payment.
  • Balloon-payment refinance — owner-op refinancing the balloon on his rig outside of the original finance company.
  • Trailer for a small fleet — competitive financing on a quick turnaround for an established carrier.

Names redacted for privacy. Real deals, real customers — many quoted in the testimonials below.

Are you an owner-operator?

Most of the truck deals we close are owner-op deals — first-time drivers going independent, established owner-ops upgrading equipment, balloon-payment refinances, multi-truck owner-op fleets, and prior-BK structures. We have a dedicated owner-operator page that walks through each of those deal types and how they fund.

Owner-Operator Truck Financing →

We close deals through any dealer — and on every major manufacturer

Once you're approved with us, you can carry your financing across dealers. We've funded trucks through truck dealers and private sellers in every region — and we're fluent in every major OEM:

  • Freightliner
  • Kenworth
  • Peterbilt
  • Volvo
  • International
  • Mack
  • Western Star
  • Hino

If your dealer or seller isn't on this list, that's fine — we work with any vendor.

How it works

  1. Apply or pre-qualify. 60-second pre-qual form, no hard pull.
  2. We underwrite your deal. Real terms, not "rate starts at" marketing numbers — down payment, monthly payment, and what we'd need to close.
  3. You sign and the truck funds. Direct to the dealer or private seller. You drive.

What our truck customers say

"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
"I'm an owner-operator and I was looking to finance the balloon payment on my rig outside of the company I was with. 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. If you have to deal with anybody, deal with him." — Devyn, MD
"As a small fleet we're always looking for the best financing options. Spencer and his team at Trust Alliance Capital came thru strong with very competitive financing for a trailer we needed funded quickly. Spencer is quick, precise and knowledgeable in his craft. Without question he'll be our first call as we continue to grow." — John, NV
"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 (Trucking Company Owner)

Frequently asked

Can I get financed with a prior bankruptcy? Yes. We have programs for both discharged and in-process Chapter 7 and Chapter 13. Pricing reflects risk.

What credit score do I need? We work A through C paper. Below 600 we'll have fewer program options but still real ones.

What's the maximum truck age? Depends on the program and the miles. We have programs that fund older trucks.

How fast can you fund a deal? Often 3 to 5 business days. Can be sooner or take longer depending on how quickly insurance can be obtained.

Ready to fund the truck the dealer's finance company declined?

Call (801) 332-9756 · Apply online here

Tell us about the truck you're financing.

Three minutes on the phone and you'll know what your deal looks like.

Or call (801) 332-9756 directly · A real person picks up

What our customers say

Real reviews from operators we've funded. Verified five-star reviews from our public profile.

★★★★★

“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

★★★★★

“Spencer and Trust Alliance Capital helped me get financed for my first semi truck as a startup owner-operator when no one else would. The process was smooth and Spencer was always available to answer my questions. I would highly recommend them to anyone looking for commercial truck financing.”

— Bobby · Owner-Operator · worked with Spencer

Commercial Truck financing in every state

Same lender panel, same structures, applied to local market conditions. Click your state for industry context, equipment mix, and recent deal examples.