(801) 332-9756

Excavator financing — from your first CAT 320 to a fleet of ten.

Built for the startup site-prep contractor buying his first used CAT. The established dirt contractor upgrading from a 336 to a 349. The mini excavator deal for a utility contractor. The used Komatsu the bank won't touch because it's over 8,000 hours. We've funded all of it. A real person picks up the phone.

Call: (801) 332-9756

A real person answers the phone. In about three minutes you'll know if we can help.

Who we fund

Different contractors, different deals — same lender panel, same five-day funding cycle on app-only files.

First-time site-prep contractors

3+ years running someone else's iron. Ready to own your own machine. Used CAT 320 or Komatsu PC200 picked out. Expect 15-25% down on a used mid-size if you're sub-2 years in business. Programs built for the first-piece deal.

Established dirt contractors upgrading

Two to ten years running your own machine. Ready for the next size up — 336 to 349, PC200 to PC300. Wrap trade-in payoff into the new deal. App-only funding in 3-5 days.

Mini excavator deals

Kubota KX, Bobcat E-series, CAT 302-305, John Deere 30G-35G. First piece for a utility contractor, landscaper, drainage subcontractor. $30K-$70K typical, 20% down on decent credit.

Used equipment (high-hour, older)

10+ years, 6,000+ hours — the units dealer finance won't touch. We finance outside age/hours limits with a higher down payment and shorter term. Auction, dealer, private seller — all work.

Prior BK and credit-challenged

Discharged BK with 12-24 months of clean credit behavior. 25-30% down on used equipment typically. The story matters — what the BK was, why it happened, what's different now. We walk your file before pulling credit.

Multi-piece fleet expansion

Adding machine #3, #5, #10. App-only fleet expansion up to a certain size; beyond that, full-financials deals in 7-14 days. We structure around your job pipeline, cash flow, and equipment mix.

Excavator brands we finance

Brand-agnostic across dealer, auction, and private-seller deals. The list of what we've funded:

CAT

Full-size 320, 330, 336, 349, 352, 374, 395. Mini 302.7, 305, 306, 308, 310.

Komatsu

PC200, PC210, PC240, PC290, PC360, PC390, PC490. Mini PC30, PC55.

John Deere

200G, 210G, 250G, 350G, 470G. Mini 30G, 35G, 50G, 60G.

Volvo

EC140, EC220, EC250, EC300, EC380, EC480. Mini EC15-EC55.

Kubota, Bobcat, Takeuchi

Mini and compact excavators — KX040, U55, E35, E42, TB260, TB290. Utility contractor first-piece deals.

Hitachi, Case, Doosan, Hyundai

ZX-series, CX-series, DX-series, HX-series. Brand-agnostic — if a dealer will sell it, we'll fund it.

How a first-time excavator deal actually closes

  1. Five-minute phone call. Tell us about the machine, your experience running iron, credit picture, down payment available. Spencer or one of his account managers picks up. No bot, no overseas call center.
  2. We tell you the deal on the phone. What credit tier we'd fund it at, expected down payment, expected monthly payment. No surprises later.
  3. Application + credit pull. 15-minute app online or by phone. Hard pull only when you say go.
  4. Underwriting + approval in 24-72 hours. We package the deal to the right lender on our panel. Most app-only deals approve same day or next day.
  5. Stipulations + insurance. Insurance binder, financials if required, signed documents. Funded direct to the dealer or private seller.
  6. You move dirt. Most deals complete in 3-5 business days from a complete app.

Section 179 — write off the excavator the year it goes to work

A commercial excavator financed through TAC typically qualifies for Section 179 depreciation. Deduct the full purchase price the year you place it in service — up to the IRS annual limit ($1,250,000 in 2026) — instead of depreciating over five or seven years. Combined with our simple-interest loan structure, the after-tax cost of the machine is materially lower than paying cash. See our Section 179 calculator for your specific numbers.

Tell us about your deal — we'll call you back today.

A real person picks up the phone. In about three minutes you'll know if we can help.

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What our customers say

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

★★★★★

“I have been in commercial truck sales since 1998 and have dealt with multiple finance companies over the years. I have been working with Spencer at Trust Alliance Capital for about 6 years now. Trust Alliance is my only alternative finance company in the industry. Spencer is absolutely the most personable and responsive person I have ever dealt with. Thanks for all you do.”

— David B., Greensboro NC · Truck Sales, 25+ years in the industry · worked with Spencer

★★★★★

“As a new startup, Logan helped me find the easiest financing with little hassle. The whole experience was awesome — especially the ability to walk into a dealership and negotiate a price knowing you have already been approved. Will go this route from now on.”

— Jason M., OK · New Startup · worked with Logan

Excavator financing in every state

Same lender panel, same first-piece programs, same used-equipment structures — applied to your state's construction market, dealer network, and job mix. Click your state for local context.