(801) 332-9756

Owner-operator truck financing: from your first truck to a multi-truck fleet.

Built for the driver going independent. The owner-op upgrading from a used Cascadia to a new Peterbilt. The two-truck operation adding a third. We've funded all of it.. You get a direct line, not a call center.

Call: (801) 332-9756

. In about three minutes you'll know if we can help.

Who we fund

Different owner-ops, different deals. Same programs, same five-day funding cycle on app-only files.

First-time owner-operators

Drivers going independent from a company seat. Strong personal credit, a real down payment, the truck picked out. Plan on 20 to 25% down on a used Class 8 if you're sub-2 years in business (10% only for a homeowner with 5+ years of CDL, 700+ credit, and a truck at $50,000 or less). That's what makes a first-truck deal fundable. We have programs built for it, and they all want to see skin in the game.

Established owner-ops upgrading

Two to ten years driving your own truck and ready for the next one. Newer Cascadia, longer-spec Peterbilt, your first Kenworth. App-only funding in 3-5 days on most files. Wrap your trade-in payoff into the new deal.

Multi-truck owner-op fleets

Adding truck #3, #5, #10. App-only fleet expansion up to a certain size; beyond that, full-financials deals that fund in 7-14 days. We know how to structure around your loads, drivers, and contracts.

Cash out of a truck you own

Paid cash for a day cab or vocational truck and need the money back in the business? If it's 2018 or newer, worth $50,000+, and free and clear, our cash-out refinance puts the cash in your account in 5 to 10 business days. Sleepers are excluded from that program.

Used truck deals

Used Cascadia, Peterbilt 579, Kenworth T680, Volvo VNL, Mack Anthem, International LT. We fund sleepers 8 years or newer, from dealer inventory.

Coming off a carrier lease-purchase

Drivers who want the next truck in their own name instead of the carrier's. We finance it through any dealer on a loan or $1-buyout lease; the title is yours from day one and the payment doesn't depend on whose freight you haul. If you're still under two years with your own authority, plan on 20 to 25% down.

Prior BK and credit-challenged

Discharged BK with 12-24 months of clean credit behavior. 20-30% down on a used truck typically. The story matters: what the BK was, why it happened, what's different now. We walk through your file before pulling credit.

How an owner-op truck deal actually closes

  1. Five-minute phone call. Tell us about the truck, your driving history, credit picture, down payment, and what you're trying to accomplish. Spencer or one of his account managers picks up. No bot, no overseas call center.
  2. We tell you the deal on the phone. What credit tier we'd fund it at, expected down payment, expected monthly payment. No surprises in writing later.
  3. Application + credit pull. 15-minute app online or by phone. Hard pull only when you say go.
  4. Underwriting + approval in 24-72 hours. We package the deal to the program that fits. Most app-only deals approve same day or next day.
  5. Stipulations + insurance. Insurance binder, last 30 days of paystubs or settlements, signed documents. Funded direct to the dealer.
  6. You drive the truck. Most deals complete in 3-5 business days from a complete app. Multi-truck deals run 5-10 days.

What separates TAC from the bank or the dealer's finance company

TAC Your bank Dealer finance company
First-time owner-op deals Yes, built-in program Rare Strong-credit only
Used truck age limit Sleepers 8 years or newer Usually 5-7 years max Brand-specific, varies
Prior BK fundable Yes, with structure No No
Cash-out on a free-and-clear truck Yes (2018+, $50K+) Refer out No
Decision time Same day to 3 days 2-4 weeks Same day on prime only
Who answers the phone Real person, your AM Loan officer voicemail Finance manager, when on lot

Trucks we finance for owner-ops

Class 8 sleeper

Freightliner Cascadia, Peterbilt 579/389, Kenworth T680/W900, Volvo VNL, Mack Anthem, International LT. New and used.

Class 8 day cab

For local and regional work. Port drayage, intermodal, dedicated lanes, dump-and-hook freight.

Trailers

Dry vans, reefers, flatbeds, step decks, drop decks. Fund alongside the tractor in one transaction.

Refrigerated

Cold-chain owner-ops running broker freight or dedicated reefer lanes. See reefer trailer financing →

Specialty

Hot shot, heavy haul, oilfield service trucks. Owner-op operating with specialty equipment qualifies the same way.

Tow / wrecker

Owner-op wrecker operations. See tow truck financing →

What we don't finance

  • Auction purchases
  • Private-seller purchases
  • Glider trucks
  • Repairs to existing equipment
  • Refinances of current loans (cash-out refi on free-and-clear equipment only — call for details)

Recently funded

September 2026

W.B. Express Logistics, Florissant, Missouri

2020 Peterbilt 579 sleeper

Richard has 28 years behind the wheel and 20 as an owner-operator. His financing on a 2020 Peterbilt 579 had fallen apart at another company over a warranty question, and the truck was about to go back on the lot. With his credit and that much experience, we were comfortable with a high-mileage sleeper, and the deal funded on a program that fits the truck he actually wanted rather than the one a brochure would have picked for him.

October 2026

Dedicated Global Express, Mississippi

2021 International MV607, about $43,000

Juquaires worked for a contractor on an Air Force base in Mississippi, picked up hauling experience on the side, and had been thinking about his own truck for a long time. He had strong credit, but this was his first borrowing on a brand-new company, which is where most banks stop. We didn't. He found a 2021 International MV607 at a small independent dealer, put roughly $7,000 down, and was approved within the week. His account manager walked him through everything that comes after an approval: setting up his authority, getting insurance in place, what the dealer needed for the title. He had a lot of questions and one phone number to call with all of them. Kathleen in our office closed out the paperwork, but the same account manager was on his file from the first call to funding.

Real customers, real deals. Terms vary by file; every deal is reviewed individually.

Tell us about your deal. We'll call you back today.

In about three minutes you'll know if we can help.

(801) 332-9756

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What our customers say

Real reviews from operators we've funded. Verified five-star reviews from our public profile.

★★★★★

“I worked with Camron Hanna on a financing deal that wasn't easy at all. The amount was high and the approval process was complicated, but he still got it done. I've dealt with other brokers before, and honestly none of them handled things the way he did. Camron stayed on top of everything from start to finish. He explained each step clearly, answered every call and text, and made sure the deal didn't fall apart even when things got tricky. He pushed the process forward and got me an approval. The whole team at Trust Alliance Capital is solid. They're organized, responsive, and you can tell they know what they're doing. It's rare to find a company that actually takes the time to help, especially with bigger and more challenging files. I highly recommend working with them.”

, Alican A. · worked with Camron

★★★★★

“Spencer and Trust Alliance Capital helped me get financed for my first semi truck as a startup owner-operator when no one else would. The process was smooth and Spencer was always available to answer my questions. I would highly recommend them to anyone looking for commercial truck financing.”

, Bobby · Owner-Operator · worked with Spencer

Owner-operator truck financing in every state

Same programs, same first-time-owner-op programs, same used-truck programs. Applied to your state's freight lanes, dealer network, and driver pool. Click your state for local context.