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 Kentucky operators choose us
Most skid steer 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 skid steer financing
Kentucky mine-yard cleanup, ore-processing area grading, and stockpile management drive compact loader demand for mining subs
Kentucky farm-country utility work — feedlot cleanup, fence-line grading, corral repair — keeps wheel skid steers busy for ag contractors
Kentucky residential build-out in the Louisville metro drives steady skid steer demand — site prep, backfill, landscaping install, snow clearing
We work with operators across Kentucky's major metros — including Louisville, Lexington, Bowling Green, Owensboro, and Covington.
Tell us about the skid steer 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 Louisville-area mining subcontractor financing a CAT 279D compact track loader for stockpile management 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
★★★★★
“Logan is very professional and I recommend him to anyone looking to purchase a truck. He goes above and beyond for his customers.”
— Antoin Z. · worked with Logan
Recently funded skid steer 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.
Louisville — first Bobcat S650 for a startup landscaping contractor
Landscaping startup with three seasons of trade experience buying his first machine. Used 2020 Bobcat S650 with 1,800 hours + a set of forks and a grapple bucket. 15% down, 60-month term, funded in four days.
Lexington — CAT 259D3 CTL for a growing site contractor
Established grading contractor adding machine #3 for a new subdivision job. 2022 CAT 259D3 compact track loader with fresh tracks. App-only approval, funded direct to dealer.
Bowling Green — used Kubota SVL75 with 3,900 hours
Owner-op with a used Kubota SVL75-2 track loader identified at a private-seller listing. Higher hours, outside dealer finance limits. Approved at 25% down, 48-month term.
How we structure skid steer 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:
LouisvilleHopkinsvilleLexingtonSalyersville
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 skid steer in Kentucky, 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.
