Restaurant 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 restaurant 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 restaurant financing
- Twin Cities restaurant scene drives demand for upscale and farm-to-table kitchen equipment, walk-in coolers, and specialty cooking
- Minnesota Scandinavian-heritage restaurants and bakeries drive niche demand for specialty equipment (lefse griddles, pastry ovens)
- Mall of America food court and resort restaurants in the Twin Cities drive high-volume quick-serve kitchen 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 restaurant dealers, including Edward Don & Company, Restaurant Depot (MN), WebstaurantStore, KaTom Restaurant Supply, and Minnesota Restaurant Supply — 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 restaurant 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 Minneapolis farm-to-table restaurant operator financing a kitchen refresh ahead of expansion 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.
★★★★★
“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
★★★★★
“Excellent service. I would highly recommend this company for reliable and trustworthy services.”
— Regina S.
Recently funded restaurant 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.
Minneapolis farm-to-table — kitchen refresh
Established farm-to-table restaurant refreshed kitchen with new range, walk-in cooler, prep equipment. Clean credit, repeat customer, app-only approval, four-day close.
St. Paul brewery foodservice — equipment add
Established craft brewery added in-house foodservice with fryer, range, refrigeration. Repeat customer, clean credit, three-day close.
Rochester first-time pizzeria operator
First-time pizzeria operator. Mid-600s credit, cash for down payment. Funded a deck oven, walk-in cooler, prep package on a startup program with 15% down.
How we structure restaurant 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 restaurant in Minnesota, we probably have a program for that too.
Ready to talk about your Minnesota restaurant deal?
Call (801) 332-9756 · A real person picks up
Or
Or apply online here