Agriculture financing for Michigan 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 Michigan operators choose us
Most agriculture buyers in Michigan 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 Michigan agriculture financing
- Michigan is the #1 U.S. tart-cherry-producing state — Traverse City region drives demand for fruit harvesters, narrow orchard tractors, and specialty sprayers
- Mid-Michigan dairy belt drives sustained demand for TMR mixers, feed-loader payloaders, and dairy-spec tractors
- Western Michigan blueberry and asparagus operations create niche demand for specialty harvesters
We work with operators across Michigan's major metros — including Detroit, Grand Rapids, Lansing, Kalamazoo, and Traverse City.
We routinely close deals at the major Michigan agriculture dealers, including Hutson Inc. (Deere), Reynolds Farm Equipment (Deere), JD Equipment, AGCO (Hesston) dealers, and New Holland Michigan dealers — 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 agriculture you're financing in Michigan.
Three minutes on the phone and you'll know what your deal looks like.
Who we fund in Michigan
- 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 captive 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 captive 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 Michigan.
What this looks like in practice
A Traverse City-area cherry grower adding a new shake-and-catch harvester ahead of season 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
★★★★★
“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 agriculture deals in Michigan
A sample of the Michigan files we've closed in the last few months. Names and identifying details redacted; the deals are real.
Traverse City cherry grower — shake-and-catch harvester add
Established cherry operation added a new shake-and-catch fruit harvester for tart-cherry harvest. Clean credit, repeat customer, app-only approval, four-day close.
Mid-Michigan dairy — TMR mixer upgrade
Established 400-cow dairy upgraded from a 900 cu ft to a 1,200 cu ft vertical TMR mixer. Repeat customer, clean credit, three-day close.
Thumb-region first-time tractor buyer
Beginning row-crop operator going from rentals to ownership. Mid-600s credit, two clean years Schedule F. Funded a used 150-HP New Holland on a startup program with 15% down.
How we structure agriculture deals in Michigan
- 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.
Also financing in Michigan
We work with operators across every equipment category. If you're buying something other than agriculture in Michigan, we probably have a program for that too.
Ready to talk about your Michigan agriculture deal?
Call 208-534-8525 · A real person picks up
Or
Or apply online here