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 dump 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 dump truck financing
Montana oilfield location prep and pad work drive year-round dump truck demand — hauling frac sand, base rock, and drill cuttings for oil-and-gas subcontractors
Montana DOT road maintenance, snow-country gravel spread, and mountain-town construction keep dump trucks busy on I-70 and secondary corridors
Montana surface mining and quarry haul work drive heavy tri-axle and quad-axle dump truck demand year-round
We work with operators across Montana's major metros — including Billings, Missoula, Great Falls, Bozeman, and Butte.
Tell us about the dump 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.
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 startup owner-op financing a used tri-axle Peterbilt dump for oilfield frac-sand hauling 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.
★★★★★
Dempsey's Freightliner Cascadia day cab — funded for fleet expansion
“I'm the owner of a trucking company and I had a great experience with Trust Alliance Capital. We had done an internet search for a highly rated financial company to help us attain funding for more trucks. Rodney Sessions was our agent and he was extremely knowledgeable and helpful. I would give all of the staff at Trust Alliance Capital 5 stars and highly recommend them.”
— Dempsey S., FL · Trucking Company Owner · worked with Rodney
★★★★★
“As a small fleet we're always looking for the best financing options. Spencer and his team at Trust Alliance Capital came through strong with very competitive financing for a trailer we needed funded quickly. Spencer is quick, precise and knowledgeable in his craft. Without question he'll be our first call as we continue to grow in the future. I highly recommend.”
— John M., NV · Small Fleet · worked with Spencer
Recently funded dump 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.
Billings — first tri-axle Peterbilt for a startup owner-op
First-time owner-op with two years CDL experience, ready to run his own truck. Used 2019 Peterbilt 567 tri-axle picked out. 20% down, 60-month term. Approved same day.
Missoula — used Freightliner tandem for a growing hauler
Established hauler adding truck #4 for a bigger aggregate contract. 2020 Freightliner 122SD tandem, decent credit, app-only approval in 24 hours.
Great Falls — 2016 Mack quad with 780K miles
High-mile deal that the bank wouldn't touch. 2016 Mack Granite quad-axle, 780K on the clock, priced below market. Programs run high-mile approved at 30% down.
How we structure dump 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 dump 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.
