Construction financing for Kentucky operators.
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 Kentucky operators choose us
Most construction buyers in Kentucky 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 Kentucky construction financing
- Toyota Motor Manufacturing Kentucky supplier-network construction in central Kentucky drives sustained industrial sitework demand
- Coal operations and reclamation work in eastern Kentucky create heavy demand for off-highway haul trucks, dozers, and reclamation excavators
- Louisville and Lexington residential and commercial construction sustains continuous excavator and loader demand
We work with operators across Kentucky's major metros — including Louisville, Lexington, Bowling Green, Owensboro, and Covington.
We routinely close deals at the major Kentucky construction dealers, including Whayne Walker (CAT), Brandeis Machinery (Komatsu), Hayden-Murphy Equipment (Deere), Boyd CAT, and Linder Industrial Machinery — 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 construction you're financing in Kentucky.
Three minutes on the phone and you'll know what your deal looks like.
Who we fund in Kentucky
- 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 Kentucky.
What this looks like in practice
A Lexington-area site contractor doing pad prep on Toyota-supplier industrial construction 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.
★★★★★
“Words can't express how grateful I am for getting linked with Spencer from Trust Alliance Capital. The moment we spoke I knew he was gonna be the right fit for what I needed. He gave me several options to choose from and was very knowledgeable about each one. I was very appreciative that he was honest and straightforward with me and always responded back quickly. Once we agreed on which option to take, it didn't take him long to seal the deal. If any of my friends or others are looking to get financed and start up their business I will surely point them in his direction. Thanks Spencer for your patience and due diligence — you'll always have a customer in me.”
— Richard H., NC · worked with Spencer
★★★★★
“I was looking to buy a newer truck and Logan Cleveland helped me get that done when I didn't think it was possible. Thanks Logan for everything — I will come back to you again.”
— Darin H., NV · worked with Logan
Recently funded construction deals in Kentucky
A sample of the Kentucky files we've closed in the last few months. Names and identifying details redacted; the deals are real.
Toyota-supplier sitework contractor adding excavator
Three-year-old industrial sitework contractor added a CAT 336 excavator for a new Tier-1 supplier facility. Clean credit, strong receivables, app-only approval, four-day close.
Eastern Kentucky reclamation contractor adding a dozer
Operator running coal-mine reclamation projects added a used CAT D8 dozer. Mid-700s credit, three-day close.
Louisville first-time skid steer buyer with prior BK
Sole-proprietor landscape contractor with a 2021 Chapter 7. Two-plus clean years post-discharge, strong project receivables. Funded a Bobcat T66 on a story-credit program with 20% down.
How we structure construction deals in Kentucky
- 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 Kentucky we've worked
Trust Alliance Capital has funded 5 customers across 4 cities in Kentucky — 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 Kentucky since 2004. Same family. Same office. (801) 332-9756 rings to a real person.
Also financing in Kentucky
We work with operators across every equipment category. If you're buying something other than construction in Kentucky, we probably have a program for that too.
Ready to talk about your Kentucky construction deal?
Call (801) 332-9756 · A real person picks up
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Or apply online here