Concrete financing for Minnesota 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 Minnesota operators choose us
Most concrete 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 concrete financing
- Twin Cities commercial and stadium construction drives boom-pump demand
- Iron Range mining and industrial pours drive heavy mixer demand
- Minnesota DOT bridge work drives pump truck 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 concrete dealers, including Hayden-Murphy Equipment, Putzmeister America, Schwing America, McNeilus, and Ziegler CAT — 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 concrete 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 contractor financing a Schwing 47m boom pump for downtown work 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 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
★★★★★
“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
Recently funded concrete 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 downtown — Schwing 47m boom pump
Established contractor added a used Schwing boom pump. Clean credit, repeat customer, app-only approval, four-day close.
Rochester biotech — mixer fleet
Established ready-mix operator added 3 used mixer trucks. Mid-700s credit, app-only, three-day close.
St. Cloud first-time concrete contractor
Former driver opening own operation. Mid-600s credit, cash for down payment. Funded a used line pump on a startup program with 15% down.
How we structure concrete 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 concrete in Minnesota, we probably have a program for that too.
Ready to talk about your Minnesota concrete deal?
Call (801) 332-9756 · A real person picks up
Or
Or apply online here