(801) 332-9756

Paving and milling equipment financing — from a first cold planer to a full road-building spread.

Cold planers, asphalt pavers, rollers, material transfer vehicles, reclaimers. 22 years funding road work — established paving contractors come to us for the speed and the convenience, and crew members going independent come to us because we know how to structure a high-ticket, thin-file deal that a bank won't touch. Either way, a real person picks up the phone.

Call: (801) 332-9756

A real person answers the phone. In about three minutes you'll know if we can help.

What we finance

Paving is a spread, not a single machine. We finance the whole crew — one piece at a time or all at once, new or used, from any dealer or private seller.

Cold Planers / Milling Machines

Wirtgen (W50–W250 series), Caterpillar (PM series), Roadtec (RX series), Bomag. Working widths from 1 ft to 14+ ft. The "grinders" that remove old pavement before resurfacing.

Asphalt Pavers

Vögele, Caterpillar, Roadtec, Volvo, Weiler, LeeBoy, Dynapac, BOMAG. Highway-class tracked pavers down to compact commercial and parking-lot units.

Rollers & Compactors

Hamm, BOMAG, Caterpillar, Volvo, Sakai, Dynapac. Steel double-drum, pneumatic-tire, and combination rollers for breakdown, intermediate, and finish passes.

Material Transfer Vehicles

Roadtec Shuttle Buggy, Weiler, BOMAG. Keep the paver moving and the mat smooth on highway and large-lot work.

Reclaimers & Stabilizers

Wirtgen, Caterpillar. Full-depth reclamation and soil stabilization for road rebuilds and base work.

Support Equipment

Tack/distributor trucks, sweepers, skid steers, screeds, plate compactors, dump trucks, and equipment trailers — the rest of the spread.

Asphalt roller and paving spread financed by Trust Alliance Capital

High-ticket, specialized, and seasonal — exactly the deals banks fumble

A cold planer can run from $100,000 to well over $1 million. The resale market is real but specialized, the work is seasonal, and many buyers are coming off a crew to go independent. A generalist bank sees risk in every one of those facts. We see a fundable operator and structure the deal around the down payment, the business plan, and the prior experience.

Who we fund

  • Crew members going independent. You've run the machine for someone else for years — now you want to take contracts on your own. This is one of our favorite deals to structure.
  • Milling subcontractors buying their first or next cold planer to bid resurfacing and mill-and-fill work.
  • Established paving contractors scaling the fleet — adding a second paver, a finish roller, or an MTV without the bank back-and-forth.
  • Commercial and parking-lot pavers running compact spreads — LeeBoy-class pavers, small planers, ride-on rollers.
  • Buyers of used equipment — used Wirtgen planers and pavers outside the dealer finance company's age and hours limits.
  • Strong-credit road builders who want an equipment-finance specialist instead of a bank's generalist desk.
  • Operators with a thin file but real experience and a down payment who need a finance company that will read the whole story, not just the credit score.

What this looks like in practice

A California operator called us. He'd spent years working on an asphalt crew — running the equipment, learning the trade — and he was ready to take contracts on his own. The machine he needed: a Wirtgen cold milling machine, over $600,000. He'd just sold a home and had real cash to put into the deal, but his business was brand new and his credit, while reasonable, didn't have much depth behind it.

A bank would have stopped at "new business, thin file, $600K specialized machine." We didn't. We collected his full financials, sat down with our credit manager, and went through his business plan — the contracts he was targeting, his crew experience, the math on his first season.

The structure that made it work: 40% down from his home-sale proceeds. That down payment, combined with his hands-on experience and a credible plan, gave the program the confidence to fund. We wired the vendor, and he took delivery of his Wirtgen.

A crew member became an owner-operator on a $600,000 machine the bank wouldn't look at. Real experience, a real down payment, and a credit team willing to read the whole file. That's the difference between a finance company that knows paving and a bank that doesn't.

Tell us about the paving or milling equipment you're buying.

Three minutes on the phone and you'll know what your deal looks like.

Or call (801) 332-9756 directly · A real person picks up

How we structure paving deals

  1. Tell us the machine and the plan. Cold planer, paver, roller, or a full spread — and whether you're established or going independent. The plan matters as much as the machine on a startup deal.
  2. We underwrite the whole story. Credit tier, time in business, the down payment you can bring, your crew experience, and the contracts you're targeting. On thin-file deals, the business plan and the down payment do real work.
  3. We bring real terms. Down payment, monthly payment, term — not "rate starts at" marketing numbers.
  4. You sign and we fund the vendor. Wire direct to the dealer or private seller. You take delivery and start bidding work.

Ready to talk about the machine you're buying?

Call (801) 332-9756 · A real person picks up
Or

What our customers say

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

★★★★★

“Trust Alliance Capital helped me get financing for a dump truck when I had a previous bankruptcy on my record. Spencer worked hard to find me a program that fit my situation and got me back on the road. I am very grateful for their help and would recommend them to anyone in a similar situation.”

— Andy · Construction Contractor · worked with Spencer

★★★★★

“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

Asphalt Paving financing in every state

Same lender panel, same structures, applied to local market conditions. Click your state for industry context, equipment mix, and recent deal examples.