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 Minnesota operators choose us
Most auto repair buyers in Minnesota 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 Minnesota auto repair financing
Minnesota road-salt corrosion drives heavy demand for rust-repair welders, frame straightening, and undercoating equipment
Snow-belt tire-shop density drives major winter-changeover seasonal demand
Twin Cities body-shop density drives paint booth and aluminum-repair equipment demand
We work with operators across Minnesota's major metros — including Minneapolis-Saint Paul, Rochester, Duluth, St. Cloud, and Mankato.
We routinely close deals at the major Minnesota auto repair dealers, including BendPak, Rotary Lift, Hunter Engineering, Snap-on Equipment, and Coats — 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 auto repair you're financing in Minnesota.
Three minutes on the phone and you'll know what your deal looks like.
Who we fund in Minnesota
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 Minnesota.
What this looks like in practice
A Twin Cities tire shop financing a Hunter tire changer and balancer package for winter 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.
★★★★★
“100% recommended. Camron Hanna guided me through the whole process to buy a truck. Very professional. Thank you.”
— Jesus P. · worked with Camron
★★★★★
Tyson's Peterbilt 389 and hopper trailer at the fuel island
“Camron is the best. I had less than perfect credit and he went above and beyond to help me secure financing for a semi and trailer. He took care of everything and made it easy to get everything done. Will use them again in the future.”
— Tyson O. · Owner-Operator · worked with Camron
Recently funded auto repair deals in Minnesota
A sample of the Minnesota files we've closed in the last few months. Names and identifying details redacted; the deals are real.
Twin Cities tire shop — equipment expansion
Established tire shop financed two new Hunter tire changers and balancers for winter changeover capacity. Clean credit, repeat customer, app-only approval, three-day close.
Rochester body shop — paint booth upgrade
Established collision shop upgraded paint booth and frame machine. Repeat customer, clean credit, four-day close.
Duluth first-time mobile mechanic
Former dealership tech going mobile. Mid-600s credit, cash for down payment. Funded a service truck buildout on a startup program with 15% down.
How we structure auto repair deals in Minnesota
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 Minnesota
We work with operators across every equipment category. If you're buying something other than auto repair in Minnesota, 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.
