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 Missouri operators choose us
Most excavator buyers in Missouri 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 Missouri excavator financing
Missouri dense urban infrastructure work — water/sewer, gas main, fiber trenching — keeps mini and mid-size excavators on the road year-round
Missouri row-crop farm drainage, irrigation trenching, and land clearing keep mid-size excavators busy for farm-country dirt contractors
Missouri residential and commercial construction boom in the Kansas City metro drives steady excavator demand for site prep, basement dig, utility trenching
We work with operators across Missouri's major metros — including Kansas City, Saint Louis, Springfield, Independence, and Columbia.
Tell us about the excavator you're financing in Missouri.
Three minutes on the phone and you'll know what your deal looks like.
Who we fund in Missouri
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 Missouri.
What this looks like in practice
A Kansas City-area underground utility contractor financing a used Kubota mini excavator for sewer-main repair 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.
★★★★★
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
★★★★★
“100% recommended. Camron Hanna guided me through the whole process to buy a truck. Very professional. Thank you.”
— Jesus P. · worked with Camron
Recently funded excavator deals in Missouri
A sample of the Missouri files we've closed in the last few months. Names and identifying details redacted; the deals are real.
Kansas City — first CAT 320 for a startup site-prep contractor
Three years running someone else's iron, ready to own his machine. Used CAT 320 with 6,200 hours picked out at a Kansas City dealer. 20% down, 60-month term, funded in five business days.
Saint Louis — Komatsu PC290 upgrade for a growing dirt contractor
Established dirt contractor upgrading from a PC200 to a PC290 for larger commercial site work. App-only approval next day. Trade-in payoff wrapped into the new deal.
Springfield — used CAT 336 with 9,800 hours
Owner-op with a specific used CAT 336 identified — older, higher hours, outside dealer finance company limits. 25% down, 48-month term, closed in seven days.
How we structure excavator deals in Missouri
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 Missouri we've worked
Trust Alliance Capital has funded 3 customers across 3 cities in Missouri — including operators in:
ConwayDe SotoFlorissant
We fund operators in towns of every size — if your city isn't listed, that doesn't mean we can't help. Funded in Missouri since 2004. Same family. Same office. (801) 332-9756 rings to a real person.
Also financing in Missouri
We work with operators across every equipment category. If you're buying something other than excavator in Missouri, 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.
