Step deck financing — from first authority to a fleet of ten.
Built for the owner-op buying his first used Reitnouer aluminum drop deck. The heavy-haul specialist adding a Fontaine for over-height freight. The manufacturing hauler out of Chicago running steel and machinery on a Great Dane Champion. We've funded all of it. A real person picks up the phone.
A real person answers the phone. In about three minutes you'll know if we can help.
Who we fund
Different haulers, different deals — same lender panel, same five-day funding cycle on app-only files. We fund step-deck trailers 10 years or newer.
First-time owner-operators
2+ years driving as company driver or leased-on. MC and DOT active. Used Reitnouer or Fontaine picked out. Plan on 25% or more down on used if you're sub-2 years authority — skin in the game is what gets the first-piece deal approved.
Heavy-haul specialists expanding
Two to ten years running your own step deck. Adding trailer #2 or #3 to run more lanes. Fontaine or Reitnouer combo drop decks for over-height and equipment moves. App-only funding in 3-5 days.
Manufacturing and industrial haulers
Running steel, structural, machinery from the Great Lakes manufacturing corridor. Great Dane Champion, Wilson roadbrute. Existing tractor + adding trailer capacity for new dedicated contracts.
Equipment-mover owner-ops
Repositioning mid-size excavators, dozers, and aerial lifts between jobsites. Step decks with removable rear ramps. Startup construction hauler market with strong contract demand.
Used trailers, 10 years or newer
Reitnouer, Fontaine, Great Dane, Wilson, Utility — dealer purchases. We fund step-deck trailers 10 years or newer.
Multi-piece fleet expansion
Adding trailer #3, #5, #10. App-only fleet expansion up to a size limit; beyond that, full-financials deals in 7-14 days. We structure around your job pipeline, cash flow, and lane mix.
Step deck brands we finance
Brand-agnostic across dealers. The list of what we've funded:
Reitnouer
Big Bubba, Maxmiser, Ultra Deck. Aluminum drop deck standard for weight-sensitive freight.
Fontaine
Infinity, Revolution combo. Steel and combo drop decks for heavy-haul and equipment moves.
Great Dane
Champion, Freedom step decks. Manufacturing-corridor workhorse for steel and machinery.
Wilson
Roadbrute, ultra-light aluminum. Agricultural and equipment haul.
Utility
Aluminum and combo drop decks. General freight and mixed-load applications.
Manac, Trail King, Kalyn Siebert
Specialty drop decks and step deck / lowboy hybrids. Heavy-specialty and oversize configurations.
How a first-time step deck deal actually closes
Five-minute phone call. Tell us about the trailer, your driving history and authority status, credit picture, down payment available. Spencer or one of his account managers picks up. No bot, no overseas call center.
We tell you the deal on the phone. What credit tier we'd fund it at, expected down payment, expected monthly payment. No surprises later.
Application + credit pull. 15-minute app online or by phone. Hard pull only when you say go.
Underwriting + approval in 24-72 hours. We package the deal to the right lender on our panel. Most app-only deals approve same day or next day.
Stipulations + insurance. Cargo and physical damage binders, financials if required, signed documents. Funded direct to the dealer.
You start hauling. Most deals complete in 3-5 business days from a complete app.
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)
Section 179 — write off the trailer the year it goes to work
A commercial step deck financed through TAC typically qualifies for Section 179 depreciation. Deduct the full purchase price the year you place it in service — up to the IRS annual limit ($1,250,000 in 2026) — instead of depreciating over five or seven years. Combined with our simple-interest loan structure, the after-tax cost of the trailer is materially lower than paying cash. See our Section 179 calculator for your specific numbers.
Tell us about your deal — we'll call you back today.
A real person picks up the phone. In about three minutes you'll know if we can help.
Real reviews from operators we've funded. Verified five-star reviews from our public profile.
★★★★★
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
★★★★★
“My experience with Trust Alliance Capital was great. If I could I would give them 10 stars. Took a week to get my deal done, got approved in one day, found my truck over the weekend and I just signed my paperwork yesterday. Thanks to Spencer and his assistant Kathleen — you need finance, Trust Alliance Capital is who I would recommend. They made it happen. Thanks again.”
— Diante C. · worked with Spencer
Step deck financing in every state we run
Same lender panel, same owner-operator programs, same used-trailer structures — applied to your state's manufacturing corridor, port network, and freight lane mix. Click your state for local context.
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.
