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.
$500MM+ funded since 2004
4,000+ funded deals
22 years family-owned
5.0 ★ Google reviews
BBB A+ accredited
Why Florida operators choose us
Most commercial truck 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 commercial truck financing
Port of Miami and Port of Jacksonville container drayage demand year-round
I-95, I-75, and I-10 corridor freight moving produce, building materials, and Caribbean-bound cargo
Hurricane recovery freight creating consistent surges in cleanup and rebuild material trucking
We work with operators across Florida's major metros — including Miami, Tampa, Orlando, Jacksonville, and Fort Lauderdale.
We routinely close deals at the major Florida commercial truck dealers, including Kenworth of South Florida, Rush Truck Center Tampa, Lou Bachrodt Freightliner, TruckMax, and MHC Kenworth Orlando — and any other vendor or private seller you choose. Once you're approved with us, you can carry your financing across dealers.
Tell us about the commercial truck 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.
First-time buyer commercial truck financing in Florida
First truck deals are our specialty. The pattern: 2+ years driving CDL Class A as a company driver or leased-on, MC/DOT active or ready to activate, a specific used tractor picked out at a Florida dealer (used Cascadia, T680, T800, Peterbilt 579), strong personal credit, and 15–25% down. We package it, walk it through underwriting, and coordinate title work and insurance so you can focus on the truck. Most first-time deals in Florida fund inside a week from a complete app.
Heavy-duty commercial truck financing in Florida
Class 8 tractors — Freightliner, Peterbilt, Kenworth, Volvo, Mack, International — new and used. Florida operators hauling for oilfield services, port drayage, aggregate, agricultural freight, or long-haul get the same underwriting: credit-tier appropriate, no BS on down payment ranges, direct funding to the dealer or private seller. Larger heavy-duty deals ($150K+) run full-financials underwriting on established credit; smaller and app-only on the right profile.
Used commercial truck financing in Florida
Where most Florida truck deals actually happen. Used Cascadias, T680s and T880s, Peterbilt 579s and 389s, Volvo VNLs — including higher-mile units the dealer's finance company won't touch. High-mile programs (700K+ miles) run with adjusted down payment and shorter term. Auction, dealer, and private-seller deals all work.
Insurance partner
Need commercial truck or trailer insurance?
We refer truck and trailer insurance to Ten Four Insurance. They specialize in operators going independent, fleets adding equipment, and new-authority owner-ops — the same kind of customers we fund. They usually quote fast.
A Miami-area owner-operator hauling refrigerated produce out of the Port of Miami 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
★★★★★
“I have been working with Spencer Sessions for the past 18 months. He has been very helpful in putting deals together, even if they were questionable on credit. His follow-up is what makes it a pleasure to do business with him.”
— Mike M. · 18-month customer relationship · worked with Spencer
Recently funded commercial truck deals in Florida
A sample of the Florida files we've closed in the last few months. Names and identifying details redacted; the deals are real.
Jacksonville port drayage operator — second-truck expansion
Owner-op working containers in and out of Jaxport added his second truck after eighteen months of solid 1099 history. We pulled three months of bank statements, confirmed the deposit run rate, and funded a used Freightliner Cascadia day cab on a four-year term with a modest down payment.
Tampa-area reefer haul — produce out of Plant City
Established Tampa carrier hauling strawberries and citrus out of central Florida picked up a refrigerated tractor to keep up with the spring harvest. Adding a fifth truck, clean credit, three-year operating history. App-only approval, competitive payment, closed in four days.
Husband-and-wife OTR team — Kenworth W900, Pensacola
A cash-heavy operation hauling through the Florida panhandle and along I-10. Their bank had pre-approved a Kenworth W900, then declined on a stipulation. We diagnosed the deal in three minutes, restructured the dealer warranty as a third-party warranty, and funded zero down on a same-week close.
How we structure commercial truck 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. (801) 332-9756 rings to a real person.
Also financing in Florida
We work with operators across every equipment category. If you're buying something other than commercial truck in Florida, we probably have a program for that too.
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.
