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.
Why Texas operators choose us
Most auto repair buyers in Texas 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 Texas auto repair financing
Texas pickup-truck ownership rates are the highest in the country — heavy demand for high-capacity 12,000-18,000 lb lifts that handle 3/4-ton and 1-ton diesel pickups
Oilfield service-truck and Class-8 diesel repair across Houston, Midland, and the Permian creates demand for in-ground lifts, drive-on lifts, and heavy-duty diagnostics
No state vehicle inspection program after 2025 changes the diagnostic-tool market — shops are leaning into customer-pay maintenance and brake/tire services
We work with operators across Texas's major metros — including Houston, Dallas-Fort Worth, San Antonio, Austin, and El Paso.
We routinely close deals at the major Texas auto repair dealers, including BendPak, Rotary Lift, Hunter Engineering, Snap-on Equipment, and Mohawk Lifts — and any other vendor or private seller you choose. Once you're approved with us, you can carry your financing across dealers.
Tell us about the auto repair you're financing in Texas.
Three minutes on the phone and you'll know what your deal looks like.
Who we fund in Texas
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 Texas.
What this looks like in practice
A Houston-area diesel pickup shop financing two 18,000-lb four-post lifts 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.
★★★★★
“Mr. Logan Cleveland got me approved with no money down with Trust Alliance Capital. I have been driving for 12 years. My business is running strong — he was a blessing to me and my family. He stayed on top of everything. Paperwork was done in days, not weeks. The crazy thing was, they were waiting on me. If you are needing a semi truck financed, ask Mr. Logan Cleveland. Awesome guy — look him up, call him, and see for yourself.”
— William D., TX · Owner-Operator, 12 years driving · worked with Logan
★★★★★
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
Recently funded auto repair deals in Texas
A sample of the Texas files we've closed in the last few months. Names and identifying details redacted; the deals are real.
Owner-op diesel mechanic adding a mobile service truck financed a complete tool inventory, generator, and welder package. Repeat customer, app-only, three-day close.
Austin first-time tire shop with prior BK
Former dealership tire tech opening his first shop, prior 2022 Chapter 7. Two clean years post-discharge, strong project pipeline. Funded a Hunter tire changer, balancer, and four-post lift on a story-credit program with 20% down.
How we structure auto repair deals in Texas
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 Texas we've worked
Trust Alliance Capital has funded 51 customers across 39 cities in Texas — including operators in:
Fort WorthHoustonDallasKatyKilleenMckinneyMesquiteOdessaSpringWaxahachieAmarilloCalvertCedar HillCleburneCypressEl PasoEnnisFabensHubbardJustinKileenLancasterLeague CityLubbockMcallenMidlandNevadaNew CaneyOld River WinfreePinelandPort ArthurRaymondvilleSan AntonioSan ElizarioSan JuanSelmaShermanTerrellWolfforth
We fund operators in towns of every size — if your city isn't listed, that doesn't mean we can't help. Funded in Texas since 2004. Same family. Same office. 208-534-8525 rings to a real person.
Also financing in Texas
We work with operators across every equipment category. If you're buying something other than auto repair in Texas, we probably have a program for that too.
Call 208-534-8525 · A real person picks up
Or
Or apply online here
Talk to a real person about your equipment deal.
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.
