208-534-8525

Reefer trailer financing — from a first independent rig to a 10-trailer fleet.

Refrigerated trailers with Carrier or Thermo King units. 22 years funding reefer carriers — owner-operators leaving company-truck programs to go independent come to us because we know how to structure a thin-business-credit deal that a bank won't touch, and established small fleets come to us for the speed. Either way, a real person picks up the phone.

Call: 208-534-8525

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

What we finance

All major reefer trailer manufacturers and refrigeration units. New, used, single trailers or multi-trailer fleet expansions. From any dealer or private seller.

Reefer Trailers — New

Utility 3000R, Great Dane Everest, Wabash ArcticLite, Vanguard, Hyundai Translead. 53', 48', and specialty configurations. Spec'd for your freight type.

Reefer Trailers — Used

5–10 year-old Utility and Great Dane reefers trade actively. We finance well outside the captive's typical age and hours limits — older units typically require a higher down payment and shorter term.

Refrigeration Units

Carrier (X4, Vector) and Thermo King (Precedent, S-series). The unit's service condition and hours drive value — we'll fund a trailer with a strong unit even if the box has age.

Owner-Op Going Independent

Driver leaving Tyson, Smithfield, JBS, Werner, Prime, or any company reefer program to go independent. Strong driving record, thin business credit. Our specialty.

Fleet Expansion

Small fleet adding the 2nd, 3rd, or 5th reefer. App-only programs for established carriers with strong credit and dispatched freight on the books.

Tractor + Reefer Together

One application, one credit decision, one set of paperwork. Used Cascadia, Peterbilt 579, Kenworth T680, or Volvo VNL plus the reefer trailer in a single transaction.

Reefer trailer fleet financed by Trust Alliance Capital

Thin business credit, strong driving record — exactly the deal banks fumble

The most common reefer financing scenario in our pipeline: a driver with 8, 12, 18 years behind the wheel on dedicated reefer lanes for a major carrier or processor — and now they're ready to go independent. The truck and trailer are picked. The freight is dispatched. Everything looks ready on paper.

Then the bank pulls up a 90-day-old EIN and a single business bank statement and declines. The dealer's finance company runs the same playbook. The deal stalls.

That's our business. A meaningful down payment (often 15-25%), proof of dispatched freight, the personal credit profile, and the prior commercial driving record together build a fundable file. We've structured this hundreds of times. A real person walks you through what the deal will actually look like before you commit.

Reefer trailers at the loading dock — refrigerated freight financed by Trust Alliance Capital

Dedicated lanes, produce origins, port intermodal — every reefer freight type funds

Dedicated processor lanes (Tyson, Smithfield, JBS, Cargill, Mountaire, Perdue). Produce origins (California Central Valley, Florida citrus, Yakima Valley apples, Idaho potatoes, Wisconsin dairy, Texas Rio Grande Valley). Port reefer container intermodal (LA/Long Beach, Houston, Savannah, Newark). Pharma cold-chain. Broker reefer freight.

22 years funding reefer carriers across every freight type. We know what your operating environment actually looks like and how to structure your deal accordingly.

Tell us about the reefer trailer you're financing.

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

Or call 208-534-8525 directly · A real person picks up

Who we fund

  • Owner-operators going independent. Driver leaving a major reefer carrier (Werner, Prime, Tyson, Smithfield, US Foods) to go independent. Strong driving record, decent personal credit, cash for a down payment, brand-new authority. Our largest single customer segment.
  • Established small fleets expanding. 1–10 truck operators adding their next reefer. App-only programs, fast credit decisions, DocuSign closes.
  • Operators outside the captive credit box. Used trailer outside age/hours limits, sub-2 years in business, prior BK, slow-pay credit. Programs across every credit tier.
  • Produce, protein, and dairy haulers. California Central Valley produce, Tyson/Smithfield/JBS dedicated lanes, Wisconsin dairy, Yakima apples, Florida citrus — every reefer freight origin.
  • Port intermodal drayage. Reefer container intermodal at LA/Long Beach, Houston, Savannah, Norfolk, Newark, Charleston.
  • Pharma cold-chain carriers. Established small fleets with reliable temperature recording and well-maintained units running Northeast pharma lanes.

How we structure reefer trailer deals

  1. You call us or send the application. Three-minute phone diagnosis or 60-second pre-qual form.
  2. We underwrite your profile — credit tier, time in business, trailer age and reefer-unit hours, your freight type, and what's funding today.
  3. We bring real terms. Not "rate starts at" marketing numbers. Down payment, monthly payment, term, and what we'd need to close.
  4. You sign and the trailer funds. Direct to the dealer, vendor, or private seller. DocuSign close in many cases.

From first call to funded trailer, most deals close in a week or less.

Ready to talk about your reefer trailer deal?

Call 208-534-8525 · A real person picks up
Or
Or apply online here