22 years financing the iron your jobsite actually runs.

Who we fund

• Strong-credit contractors who want the convenience of an experienced equipment-finance specialist instead of the bank's paperwork shuffle.
• Contractors who'd rather work with a specialist than a generalist. A local bank funds homes, cars, and small-business lines — equipment is a side dish. We finance equipment all day. That's the difference between an expert and a generalist, and it shows up in the terms.
• Established contractors scaling their fleet that need fast underwriting without bank back-and-forth.
• Startup contractors — first machine, new LLC, strong personal credit, strong operator history.
• Buyers of used equipment outside the dealer's finance-company age and hours limits.
• Owner-operators and sole-prop contractors going independent or expanding.
• Operators with prior BK or thin file who need a finance company that'll work the deal.
• Contractors bidding government work — federal, state, and municipal job financing for equipment on the schedule.
• Multi-line dealers needing a second-look option when the in-house finance source can't fund the deal.
• Operators who want one financing relationship across many dealers — get approved with us once, work with any vendor.

Why the dealer's finance company isn't always the answer

The finance company built into your equipment dealer is competitive on one specific deal — prime credit, new equipment, that dealer's brand. They're not built to fund:

• Startups under two years in business
• Owner-operators or sole-proprietor contractors
• Used equipment from a different dealer
• Buyers with prior bankruptcies or recent credit hits
• Equipment from a brand they don't represent
• Deals where the buyer wants to compare programs across credit tiers

That's where we come in. We have programs that fund those exact scenarios.

We're experts in equipment financing. We're not generalists. That's the difference.

Recently funded construction deals

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

• First-machine startup contractor — compact track loader with attachments, new LLC, strong personal credit, approved with a meaningful down payment.
• Excavator for an excavation startup declined by the dealer's finance company over time-in-business. Funded through a specialty program.
• Used wheel loader from a private seller — high hours outside the dealer's finance-company window. Funded with adjusted term.
• Crane purchase for an established crane operator — repeat customer, fleet expansion, app-only approval.
• Skid steer + attachments package for a landscape contractor scaling up. Bundled equipment + attachments into one deal.
• Dozer for a contractor with a prior BK. Spencer worked the file through a credit-tier program; contractor back on the bid sheet.

Names redacted for privacy. Real deals, real customers.

What our construction customers say

"Trust Alliance Capital helped me get financing for a dump truck when I had a previous bankruptcy on my record. Spencer worked hard to find me a program that fit my situation and got me back on the road. I am very grateful for their help and would recommend them to anyone in a similar situation." — Andy, Construction Contractor

"Words can't express how grateful I am for getting linked with Spencer from Trust Alliance Capital. He gave me several options to choose from and was very knowledgeable about each one. Very honest and straightforward, and quick to seal the deal. If any of my friends and/or others are looking to get financed and start up their business I will surely point them in his direction." — Rich, NC

"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