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.
Why Florida operators choose us
Most asphalt paving buyers in Florida 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 Florida asphalt paving financing
FDOT's I-4, I-95, and Turnpike repaving and widening projects keep milling subcontractors and pavers booked statewide — Florida pavers run near-continuous schedules
Year-round paving season in most of the state — equipment runs hot, hours pile up fast, and contractors rotate machines on a tighter cycle than in shorter-window states
Florida's residential and commercial boom (multifamily, distribution centers, theme park expansions) drives constant private parking-lot and HOA paving demand on top of FDOT work
We work with operators across Florida's major metros — including Jacksonville, Miami, Tampa, Orlando, and Fort Lauderdale.
Tell us about the asphalt paving you're financing in Florida.
Three minutes on the phone and you'll know what your deal looks like.
Who we fund in Florida
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 Florida.
What this looks like in practice
An Orlando-area paving contractor financing a used Caterpillar PM620 cold planer to bid I-4 mill-and-overlay subcontracts 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.
★★★★★
Dempsey's Freightliner Cascadia day cab — funded for fleet expansion
“I'm the owner of a trucking company and I had a great experience with Trust Alliance Capital. We had done an internet search for a highly rated financial company to help us attain funding for more trucks. Rodney Sessions 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 S., FL · Trucking Company Owner · worked with Rodney
★★★★★
“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
How we structure asphalt paving deals in Florida
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 Florida we've worked
Trust Alliance Capital has funded 30 customers across 28 cities in Florida — 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 Florida since 2004. Same family. Same office. 208-534-8525 rings to a real person.
Also financing in Florida
We work with operators across every equipment category. If you're buying something other than asphalt paving in Florida, we probably have a program for that too.
Ready to talk about your Florida asphalt paving deal?
Call 208-534-8525 · A real person picks up
Or
Or apply online here
Talk to a real person about your equipment deal.
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.
