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 Pennsylvania operators choose us
Most restaurant buyers in Pennsylvania 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 Pennsylvania restaurant financing
Philadelphia cheesesteak culture drives demand for flat-top grills, prep stations, and specialty ranges
Pittsburgh and Western PA restaurant scenes drive demand for Italian, Polish, and Eastern European kitchen equipment
Amish-region restaurants and bakeries in Lancaster County create niche demand for commercial baking equipment
We work with operators across Pennsylvania's major metros — including Philadelphia, Pittsburgh, Allentown, Harrisburg, and Scranton.
We routinely close deals at the major Pennsylvania restaurant dealers, including Singer Equipment Co. (PA HQ), Boelter, WebstaurantStore (PA HQ), Restaurant Depot (PA), and PJP Marketplace — 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 restaurant you're financing in Pennsylvania.
Three minutes on the phone and you'll know what your deal looks like.
Who we fund in Pennsylvania
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 Pennsylvania.
What this looks like in practice
A Philadelphia cheesesteak operator financing a flat-top grill and walk-in cooler for a second location 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.
★★★★★
“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
★★★★★
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
Recently funded restaurant deals in Pennsylvania
A sample of the Pennsylvania files we've closed in the last few months. Names and identifying details redacted; the deals are real.
Philly cheesesteak operator — second location
Established cheesesteak shop opening a second location financed flat-top grill, walk-in cooler, and prep package. Clean credit, strong receivables, app-only approval, four-day close.
Pittsburgh Italian restaurant — kitchen refresh
Established Italian restaurant refreshed kitchen with new range, deck oven, and pasta cooker. Repeat customer, clean credit, three-day close.
Lancaster County bakery — first-time deck oven buyer
First-time commercial bakery operator (former home baker going pro). Mid-600s credit, cash for down payment. Funded a deck oven, mixer, and proofer package on a startup program with 15% down.
How we structure restaurant deals in Pennsylvania
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 Pennsylvania we've worked
Trust Alliance Capital has funded 16 customers across 13 cities in Pennsylvania — including operators in:
We fund operators in towns of every size — if your city isn't listed, that doesn't mean we can't help. Funded in Pennsylvania since 2004. Same family. Same office. (801) 332-9756 rings to a real person.
Also financing in Pennsylvania
We work with operators across every equipment category. If you're buying something other than restaurant in Pennsylvania, 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.
