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 trailer 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 trailer financing
Detroit metro automotive freight (Big Three plus Tier-1 suppliers) drives heavy dry van trailer demand on just-in-time lanes
Michigan steel freight to and from Indiana/Ohio mills creates flatbed demand
Cross-border Canadian freight via the Ambassador Bridge and the Blue Water Bridge generates dry van and reefer demand for bonded carriers
We work with operators across Michigan's major metros — including Detroit, Grand Rapids, Warren, Sterling Heights, and Ann Arbor.
We routinely close deals at the major Michigan trailer dealers, including Great Dane Detroit, Utility Trailer Sales Michigan, Wabash National Detroit, Stoughton Trailers Michigan, and Cleveland Trailer — 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 trailer 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 Detroit-area carrier adding a dry van for automotive just-in-time supplier freight 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.
★★★★★
The boss riding shotgun on the rebar trailer between hauls
“I have a small trucking company in Raleigh, NC. We deliver rebar for bridges and hospitals. The last 7 weeks purchasing our newest commercial truck, we were hit head-on with downfall and red tape. We were paired with Mr. Camron Hanna. This gentleman went above and beyond to help our employees keep running our roads — mind you, from 7 states away. We highly recommend Mr. Hanna. We are running.”
— Raleigh, NC trucking company · Bridges & hospitals rebar delivery · worked with Camron
★★★★★
“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 trailer 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 Big Three just-in-time dry van add
Three-year-old carrier with dedicated automotive-supplier lanes added two new Great Dane dry vans. Clean credit, repeat customer, app-only approval, four-day close.
Grand Rapids cross-border reefer add
Operator running food freight between Grand Rapids and Ontario added a new Utility 3000R reefer. Mid-700s credit, FAST card in place, three-day close.
Flint first-time dry van buyer
Eleven-year company driver going owner-op on Midwest lanes. Mid-600s credit, cash for a down payment. Funded a used Wabash 53-foot dry van on a first-time owner-op program with 15% down.
How we structure trailer 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 trailer in Michigan, we probably have a program for that too.
Call 208-534-8525 · A real person picks up
Or
Or apply online here
Talk to a real person about your equipment deal.
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.
