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 Montana operators choose us
Most commercial truck buyers in Montana 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 Montana commercial truck financing
I-90 and I-94 across Montana carry continuous through-freight between the Pacific Northwest, Upper Midwest, and points east — the state is one of the highest mileage-per-load markets in the country
Bakken oilfield work in eastern Montana and across the North Dakota border creates steady demand for heavy-duty vocational tractors hauling sand, water, and crude
Agricultural and livestock freight (wheat, cattle, hay) from the high plains east of the Rockies drives a steady niche tractor market, especially for hopper-bottom and livestock haulers
We work with operators across Montana's major metros — including Billings, Missoula, Great Falls, Bozeman, and Helena.
We routinely close deals at the major Montana commercial truck dealers, including Kenworth Sales Company, TruckPro, I-State Truck Center, Western States Equipment, and Vander Haag's — 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 commercial truck you're financing in Montana.
Three minutes on the phone and you'll know what your deal looks like.
Who we fund in Montana
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 Montana.
First-time buyer commercial truck financing in Montana
First truck deals are our specialty. The pattern: 2+ years driving CDL Class A as a company driver or leased-on, MC/DOT active or ready to activate, a specific used tractor picked out at a Montana dealer (used Cascadia, T680, T800, Peterbilt 579), strong personal credit, and 15–25% down. We package it, walk it through underwriting, and coordinate title work and insurance so you can focus on the truck. Most first-time deals in Montana fund inside a week from a complete app.
Heavy-duty commercial truck financing in Montana
Class 8 tractors — Freightliner, Peterbilt, Kenworth, Volvo, Mack, International — new and used. Montana operators hauling for oilfield services, port drayage, aggregate, agricultural freight, or long-haul get the same underwriting: credit-tier appropriate, no BS on down payment ranges, direct funding to the dealer or private seller. Larger heavy-duty deals ($150K+) run full-financials underwriting on established credit; smaller and app-only on the right profile.
Used commercial truck financing in Montana
Where most Montana truck deals actually happen. Used Cascadias, T680s and T880s, Peterbilt 579s and 389s, Volvo VNLs — including higher-mile units the dealer's finance company won't touch. High-mile programs (700K+ miles) run with adjusted down payment and shorter term. Auction, dealer, and private-seller deals all work.
Insurance partner
Need commercial truck or trailer insurance?
We refer truck and trailer insurance to Ten Four Insurance. They specialize in operators going independent, fleets adding equipment, and new-authority owner-ops — the same kind of customers we fund. They usually quote fast.
A Billings-area owner-op running oilfield freight in the Montana side of the Bakken 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
★★★★★
“I have been in commercial truck sales since 1998 and have dealt with multiple finance companies over the years. I have been working with Spencer at Trust Alliance Capital for about 6 years now. Trust Alliance is my only alternative finance company in the industry. Spencer is absolutely the most personable and responsive person I have ever dealt with. Thanks for all you do.”
— David B., Greensboro NC · Truck Sales, 25+ years in the industry · worked with Spencer
Recently funded commercial truck deals in Montana
A sample of the Montana files we've closed in the last few months. Names and identifying details redacted; the deals are real.
Eastern Montana Bakken oilfield owner-op adding a second tractor
Two years hauling sand, water, and crude for E&P operators across the Montana-Dakota Bakken. Credit around 685, strong bank statements from oilfield contracts. Funded a used Kenworth T880 vocational tractor on app-only with about 12% down, four-day close.
Missoula long-haul carrier adding fleet capacity
Three-year-old carrier running line-haul out of western Montana to the Pacific Northwest added a third tractor for a new contract. Clean credit, repeat customer, app-only approval on a used Freightliner Cascadia, four-day close.
Great Falls first-time owner-op going independent
Twelve years driving I-15 and US-87 for a regional Montana carrier. Credit in the high 600s, well-paid revolving balances, cash for a down payment. Found a used Volvo VNL in the low $40Ks. Funded on a first-time owner-op program with about 15% down.
How we structure commercial truck deals in Montana
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 Montana we've worked
Trust Alliance Capital has funded 6 customers across 5 cities in Montana — including operators in:
Great FallsColumbusMissoulaRapeljeWest Yellowstone
We fund operators in towns of every size — if your city isn't listed, that doesn't mean we can't help. Funded in Montana since 2004. Same family. Same office. (801) 332-9756 rings to a real person.
Also financing in Montana
We work with operators across every equipment category. If you're buying something other than commercial truck in Montana, 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.
