Found the skid steer you want? Get pre-approved before you sign.
22 years funding skid steers and compact track loaders. Bobcat, Cat, Kubota, John Deere, Case — brand-agnostic, used welcome. Most of our skid-steer calls are from contractors who've already identified the machine at a dealer, and want to walk in pre-approved instead of stuck in the dealer finance company's queue. One application, programs across every credit tier, real person on the phone.
What we finance
- Wheel skid steers — Bobcat S-series, Cat 200-series, Case SR/SV-series, Kubota SSV, John Deere E-series, ASV/Terex Posi-Track. Sub-compact through large-frame.
- Compact track loaders (CTLs) — Bobcat T-series, Cat 250/260/270, Kubota SVL, John Deere G-series, Takeuchi TL-series. Steel-tracked and rubber-tracked.
- Mini skid steers and stand-ons — Toro Dingo, Vermeer S-series, Bobcat MT-series, Boxer compact loaders.
- Attachments financed with the machine — buckets, augers, grapples, brush cutters, snowblowers, trenchers, planers, pallet forks. Single contract, one pre-approval.
Who we fund
- Contractors who've already found the machine. Whether it's at a Bobcat dealer — pre-approval in 24 hours so you can negotiate from a position of strength.
- Landscapers, excavators, and demolition contractors adding capacity. Often the second or third machine on a growing operation.
- Startup contractors with trade experience. First skid steer for a new landscaping or grading operation. Usually 15-25% down if sub-2 years in business.
What a typical skid steer deal looks like
The cleanest skid-steer deals on our desk follow a pattern: contractor with one to ten years of operating history, a specific used machine identified (often a 2019-2022 Bobcat T76 or Cat 259D3 at 1,500-3,500 hours), credit that's grown alongside the business, and a clear use — adding capacity, replacing an aging machine, or buying out from a rental.
That profile gets bounced at most banks for one of three reasons: under 3 years in business, used equipment, or the bank doesn't have a "compact equipment" program at all. The dealer's finance company usually won't touch many used deals. We look at the same file and see a credit-worthy contractor with real revenue and a clear need for the machine.
When the deal closes, it's the program-network model doing the work: one application, the right program identified in 24 hours, soft credit pull only, title and lien work coordinated by us, wire to the seller (or dealer) the same week.
If your operation looks like that — established or startup, with the machine identified — call us. We have programs built for exactly that profile.
Why TAC vs. one bank or the dealer's finance company
Most contractors take their skid-steer deal to their business bank first and get rejected for used. Then they try the dealer's finance company (CNH Industrial Capital, Cat Financial, Bobcat Finance) and get rejected for not buying brand-new from that specific dealer. Each rejection is another hard credit pull, another week lost, and another seller losing patience. TAC fixes that: one application, programs across every credit tier, soft credit pull, and the right fit identified in 24 hours.
Trust Alliance Capital is a Kaysville, Utah-based, BBB A+ rated commercial equipment finance company, family-owned since 2004 — same family, same office, same phone number for 22 years. The person who picks up the phone at 208-534-8525 is the same person who'll work your file through to funding.
Ready to talk about the machine you're buying?
Call 208-534-8525 · Apply online here
Tell us about the skid steer you're buying.
Three minutes on the phone and you'll know what your deal looks like.