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 Iowa operators choose us
Most excavator buyers in Iowa 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 Iowa excavator financing
Iowa row-crop farm drainage, irrigation trenching, and land clearing keep mid-size excavators busy for farm-country dirt contractors
Iowa dairy farm expansion — manure lagoons, pad prep, silage pit walls — drives excavator demand for ag-country contractors
Iowa residential and commercial construction boom in the Des Moines metro drives steady excavator demand for site prep, basement dig, utility trenching
We work with operators across Iowa's major metros — including Des Moines, Cedar Rapids, Davenport, Sioux City, and Iowa City.
Tell us about the excavator you're financing in Iowa.
Three minutes on the phone and you'll know what your deal looks like.
Who we fund in Iowa
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 Iowa.
What this looks like in practice
A Des Moines-area farm dirt contractor financing a mini excavator for row-crop drainage work 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.
★★★★★
“I'm very happy to work with Trust Alliance Capital. They are really helpful and professional. They always take care of me when I need it, and my business — I'm looking forward to working with them again.”
— Adam W.
★★★★★
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
Recently funded excavator deals in Iowa
A sample of the Iowa files we've closed in the last few months. Names and identifying details redacted; the deals are real.
Des Moines — first CAT 320 for a startup site-prep contractor
Three years running someone else's iron, ready to own his machine. Used CAT 320 with 6,200 hours picked out at a Des Moines dealer. 20% down, 60-month term, funded in five business days.
Cedar Rapids — Komatsu PC290 upgrade for a growing dirt contractor
Established dirt contractor upgrading from a PC200 to a PC290 for larger commercial site work. App-only approval next day. Trade-in payoff wrapped into the new deal.
Davenport — used CAT 336 with 9,800 hours
Owner-op with a specific used CAT 336 identified — older, higher hours, outside dealer finance company limits. 25% down, 48-month term, closed in seven days.
How we structure excavator deals in Iowa
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 Iowa we've worked
Trust Alliance Capital has funded 3 customers across 2 cities in Iowa — including operators in:
SchallerElk Run Heights
We fund operators in towns of every size — if your city isn't listed, that doesn't mean we can't help. Funded in Iowa since 2004. Same family. Same office. (801) 332-9756 rings to a real person.
Also financing in Iowa
We work with operators across every equipment category. If you're buying something other than excavator in Iowa, 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.
