Commercial Truck 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 commercial truck 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 commercial truck financing
- Auto-industry supply chain freight is the backbone of Michigan trucking — just-in-time parts moving into Ford, GM, and Stellantis plants and finished vehicles moving out
- EV battery plant construction across western and central Michigan (Ford BlueOval, GM Ultium, LG Energy) driving new capacity demand for both site-construction and supply-chain freight
- Great Lakes port operations at Detroit, Port Huron, and Marquette plus border freight crossing into Ontario through the Ambassador Bridge keep heavy-duty tractors busy year-round
We work with operators across Michigan's major metros — including Detroit, Grand Rapids, Lansing, Ann Arbor, and Flint.
We routinely close deals at the major Michigan commercial truck dealers, including Wolverine Freightliner, Truck Country, Tri-Star Truck Sales, MHC Kenworth Detroit, and McMahon Truck Centers — 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 commercial truck 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 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 Michigan.
First-time buyer commercial truck financing in Michigan
First truck deals are our specialty. The pattern: 2+ years driving CDL Class A as a company driver or leased-on, MC/DOT active or ready to activate, a specific used tractor picked out at a Michigan dealer (used Cascadia, T680, T800, Peterbilt 579), strong personal credit, and 15–25% down. We package it, walk it through underwriting, and coordinate title work and insurance so you can focus on the truck. Most first-time deals in Michigan fund inside a week from a complete app.
Heavy-duty commercial truck financing in Michigan
Class 8 tractors — Freightliner, Peterbilt, Kenworth, Volvo, Mack, International — new and used. Michigan operators hauling for oilfield services, port drayage, aggregate, agricultural freight, or long-haul get the same underwriting: credit-tier appropriate, no BS on down payment ranges, direct funding to the dealer or private seller. Larger heavy-duty deals ($150K+) run full-financials underwriting on established credit; smaller and app-only on the right profile.
Used commercial truck financing in Michigan
Where most Michigan truck deals actually happen. Used Cascadias, T680s and T880s, Peterbilt 579s and 389s, Volvo VNLs — including higher-mile units the dealer's finance company won't touch. High-mile programs (700K+ miles) run with adjusted down payment and shorter term. Auction, dealer, and private-seller deals all work.
Insurance partner
Need commercial truck or trailer insurance?
We refer truck and trailer insurance to Ten Four Insurance. They specialize in operators going independent, fleets adding equipment, and new-authority owner-ops — the same kind of customers we fund. They usually quote fast.
Get a Ten Four insurance quote →What this looks like in practice
A Detroit-area carrier hauling just-in-time auto parts into the Ford River Rouge complex 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 worked with Camron Hanna on a financing deal that wasn't easy at all. The amount was high and the approval process was complicated, but he still got it done. I've dealt with other brokers before, and honestly none of them handled things the way he did. Camron stayed on top of everything from start to finish. He explained each step clearly, answered every call and text, and made sure the deal didn't fall apart even when things got tricky. He pushed the process forward and got me an approval. The whole team at Trust Alliance Capital is solid. They're organized, responsive, and you can tell they know what they're doing. It's rare to find a company that actually takes the time to help, especially with bigger and more challenging files. I highly recommend working with them.”
— Alican A. · worked with Camron
★★★★★
“Spencer and Trust Alliance Capital helped me get financed for my first semi truck as a startup owner-operator when no one else would. The process was smooth and Spencer was always available to answer my questions. I would highly recommend them to anyone looking for commercial truck financing.”
— Bobby · Owner-Operator · worked with Spencer
Recently funded commercial truck 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.
Detroit auto-supply chain — established carrier adding capacity
Twelve-year-old family operation running just-in-time parts into Ford and GM Michigan plants needed to add a sixth tractor for a new Ultium battery plant contract. Strong financials, repeat customer. App-only approval, used Freightliner Cascadia, closed in three business days.
Grand Rapids owner-op buying his first sleeper
CDL holder with sixteen years of company driving across the Great Lakes region went independent. Mid-600s credit, clean revolving accounts, cash for a meaningful down payment. Found a 2020 Kenworth T680 in the low-mid $40Ks. Walked him through 10-20% down range and had him approved on the next morning.
Used semi from a private seller in Flint
Owner-op found a 2017 Peterbilt 579 being sold privately by an operator who was downsizing. Outside the dealer's typical age window. Funded with a higher down payment and a 42-month term so the structure made sense against the truck's remaining service life.
How we structure commercial truck 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.
Where in Michigan we've worked
Trust Alliance Capital has funded 10 customers across 10 cities in Michigan — 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 Michigan since 2004. Same family. Same office. (801) 332-9756 rings to a real person.
Also financing in Michigan
We work with operators across every equipment category. If you're buying something other than commercial truck in Michigan, we probably have a program for that too.
Ready to talk about your Michigan commercial truck deal?
Call (801) 332-9756 · A real person picks up
Or
Or apply online here