Spray foam rigs and pressure-washer trailers. Financed as the complete working unit.
An insulation contractor adding a second Graco Reactor rig in a 16-foot enclosed trailer. A roofing company financing a box-truck spray rig for commercial roof coatings. An exterior-cleaning business buying a built-out hot-water pressure-washing trailer with a soft-wash system. Rig builders sell the whole package, and we finance the whole package: trailer or truck, proportioner, compressor, generator, hoses, and the tanks.
Who we fund
- Insulation contractors, adding a second or third rig, or replacing a tired one.
- Roofing and waterproofing contractors. Coating and polyurea rigs.
- Exterior-cleaning, soft-wash, and fleet-washing businesses, built-out pressure-washing trailers.
- General contractors bringing insulation in-house. First rig, with the training package from the builder.
- Established contractors first, a business with history and a credit picture we can underwrite; a first rig for a new company is case by case and needs a real down payment.
What we finance
- Spray foam rigs. Graco Reactor and PMC proportioners in enclosed trailers or box trucks from rig builders such as Spray Foam Systems, Intech, Profoamer, Spray Foam Equipment & Manufacturing.
- Roof-coating and polyurea rigs. Truck- and trailer-mounted systems for commercial roofing and bedliner contractors.
- Pressure-washing and soft-wash trailers. Hot-water units from Hotsy, Landa, Pressure-Pro; built-out trailers with water tanks, reels, surface cleaners, and soft-wash systems.
- Mobile detailing and fleet-washing rigs, covered on the mobile detailing page.
Age
The program built for these rigs takes units up to about five years old (2021 and newer). Most rigs we finance are new from the builder, funded direct to the builder on their invoice, with the tow vehicle financed separately or on our truck programs when you're buying both.
How much down
The ranges below are reference points so you know roughly where a file lands. They are not a rate sheet. We review every situation individually, and once we've seen your file we'll tell you exactly what the down payment is.
- Established business, 700+ credit, prior commercial financing paid as agreed: low or zero down is on the table.
- Established business, strong credit, first commercial financing: around 10% down.
- Established contractor, credit between 635 and 700: plan on 15% to 25%.
- New contractor: 700+ personal credit required, with a real down payment.
- Below 635 credit: Below 635 personal credit is not a file we can place on this type of equipment; the collateral doesn't carry a weak-credit program the way a truck or a piece of yellow iron does.
Every file is reviewed on its own merits. Time in business, bank statements, the specific equipment, and comparable credit all move the number. The tiers above are where files usually start, not where they have to end.
What we don't finance
- Auction purchases
- Private-seller purchases
- Glider trucks
- Repairs to existing equipment
- Refinances of current loans (cash-out refi on free-and-clear equipment only — call for details)
Frequently asked
Do you finance the whole rig or just the equipment? The whole rig: trailer or box truck, proportioner, compressor, generator, hoses, tanks, and the builder's training package on the same invoice.
Used rigs? Up to about five years old (2021 and newer) on the program built for them, with an inspection. Most deals are new from the builder.
Can I finance the tow vehicle too? Yes, on our truck programs, as a separate loan or packaged when you're buying both.
New company? 700+ personal credit, a real down payment, and prior trade experience. A rig is not high-resale collateral, so on a startup file the program is underwriting the owner.
How fast? Approvals in 24 to 48 hours on application-only files, funding in 3 to 5 business days. Rig builders build to order, so get the approval in before you put down the deposit.
Ready to talk about the rig you're buying?
Tell us about the rig.
Send the rig builder's quote if you have one. Three minutes on the phone and you'll know what your deal looks like.
What our equipment customers say
Real reviews from operators we've funded. Verified five-star reviews from our public profile.
★★★★★
“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
★★★★★
“As a new startup, Logan helped me find the easiest financing with little hassle. The whole experience was awesome — especially the ability to walk into a dealership and negotiate a price knowing you have already been approved. Will go this route from now on.”
, Jason M., OK · New Startup · worked with Logan
Photos: Ömer Haktan Bulut and Olek Buzunov via Unsplash. No manufacturer endorsement implied.