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 step deck 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 step deck financing
Pennsylvania manufacturing and industrial freight moves out of the Philadelphia metro drive steady step deck demand — machinery, structural steel, industrial equipment
Pennsylvania oilfield modular equipment moves — pipe skids, tank sections, compressor packages that need drop-deck clearance — drive step deck demand for oilfield haulers
Pennsylvania municipal DOT equipment moves plus manufacturing freight from the Philadelphia corridor drive step deck demand for snow-belt haulers
We work with operators across Pennsylvania's major metros — including Philadelphia, Pittsburgh, Allentown, Erie, and Reading.
Tell us about the step deck 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.
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 Philadelphia-area manufacturing hauler financing a used Reitnouer step deck for industrial equipment moves out of the Philadelphia metro 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
★★★★★
“I was looking to buy a newer truck and Logan Cleveland helped me get that done when I didn't think it was possible. Thanks Logan for everything — I will come back to you again.”
— Darin H., NV · worked with Logan
Recently funded step deck 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.
Philadelphia — first Reitnouer aluminum drop deck for owner-op with new authority
Owner-op with two years leased-on driving experience, MC/DOT just active. Used 2018 Reitnouer Big Bubba aluminum step deck picked out. 20% down, 60-month term, funded in a week.
Pittsburgh — Fontaine Infinity combo step deck for a growing heavy-haul operator
Established two-truck heavy-haul operator adding a trailer for over-height freight. 2021 Fontaine Infinity 48' combo, app-only approval next day.
Allentown — used Great Dane Champion, 2015 model
Manufacturing hauler running steel out of the Great Lakes corridor buying a used 2015 Great Dane Champion at auction. Approved at 25% down, 48-month term.
How we structure step deck 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 step deck 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.
