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

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.

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.

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.