Restaurant financing for Maryland 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 Maryland operators choose us
Most restaurant buyers in Maryland 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 Maryland restaurant financing
- Chesapeake Bay crab houses drive demand for crab steamers, walk-in coolers, and seafood-handling equipment
- Baltimore and Annapolis tourism drives demand for seafood restaurants, raw bars, and dockside dining
- DC-metro suburban restaurants and ghost kitchens drive build-out demand year-round
We work with operators across Maryland's major metros — including Baltimore, Silver Spring, Frederick, Rockville, and Hagerstown.
We routinely close deals at the major Maryland restaurant dealers, including Singer Equipment Co., Restaurant Depot (MD), WebstaurantStore, KaTom Restaurant Supply, and Maryland Restaurant Supply — 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 restaurant you're financing in Maryland.
Three minutes on the phone and you'll know what your deal looks like.
Who we fund in Maryland
- 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 Maryland.
What this looks like in practice
An Annapolis crab-house operator financing crab steamers and walk-in coolers 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 am an Owner-Operator and I was looking to finance the balloon payment on my rig outside of the company I was with. I started searching online and in the local truck stop magazines for a company that could assist in this endeavor. I had multiple companies approach with possible options. Trust Alliance stood out from the rest. Their rep Logan Cleveland was by far one of the most diligent and effective guys I ever worked with. His level of follow-up was unsurpassed. He kept me in complete contact and really helped me at every turn through the process. If you have to deal with anybody, deal with him. He's not only an asset to Trust Alliance, he'll be an asset to you. If I have to do the process again, Logan will be the first and last call I make.”
— Devyn, MD · Owner-Operator · worked with Logan
★★★★★
“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 restaurant deals in Maryland
A sample of the Maryland files we've closed in the last few months. Names and identifying details redacted; the deals are real.
Annapolis crab house — kitchen expansion
Established 20-year crab house added crab steamers, walk-in cooler, prep stations. Clean credit, repeat customer, app-only approval, three-day close.
Baltimore ghost kitchen — multi-concept build
Operator opening a Baltimore ghost kitchen financed multi-station kitchen package. Mid-700s credit, app-only, four-day close.
Frederick first-time pizzeria operator
First-time pizzeria operator. Mid-600s credit, cash for down payment. Funded a deck oven, walk-in cooler, prep package on a startup program with 15% down.
How we structure restaurant deals in Maryland
- 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 Maryland we've worked
Trust Alliance Capital has funded 20 customers across 17 cities in Maryland — 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 Maryland since 2004. Same family. Same office. (801) 332-9756 rings to a real person.
Also financing in Maryland
We work with operators across every equipment category. If you're buying something other than restaurant in Maryland, we probably have a program for that too.
Ready to talk about your Maryland restaurant deal?
Call (801) 332-9756 · A real person picks up
Or
Or apply online here