Commercial Truck financing for Texas operators.
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 commercial truck 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 commercial truck financing
- I-10, I-35, and I-45 corridors moving freight from Mexico through the Gulf Coast to the Midwest
- Port of Houston and Laredo border crossings driving constant Class 8 demand
- Oil and gas service work in the Permian Basin requiring heavy-duty truck fleets
We work with operators across Texas's major metros — including Houston, Dallas-Fort Worth, San Antonio, Austin, and Laredo.
We routinely close deals at the major Texas commercial truck dealers, including MHC Kenworth, Rush Truck Centers, Premier Truck Group, and Lonestar Truck Group — 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 commercial truck 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.
Insurance partner
Need commercial truck or trailer insurance?
We refer truck and trailer insurance to Ten Four Insurance. They specialize in operators going independent, fleets adding equipment, and new-authority owner-ops — the same kind of customers we fund. They usually quote fast.
Get a Ten Four insurance quote →What this looks like in practice
A Houston-based owner-operator hauling petrochemicals on I-10 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
★★★★★
“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
Recently funded commercial truck 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.
First-time owner-operator going independent in the Houston ship-channel area
Twelve years driving company trucks out of the petrochemical corridor, never owned his own rig. Credit in the high 600s, well-managed credit cards, cash on hand for a down payment. Targeted a used Freightliner Cascadia just under $45K. We walked him through the down-payment math on the first call and had a same-day answer with one of our first-time owner-op programs.
Permian Basin fleet expansion — adding a third Kenworth
An established Midland-based carrier adding their third truck for hot oil and crude hauling. Five-year operating history, clean credit, strong receivables from oil-major contracts. App-only approval and DocuSign close inside a week so they could put the truck on contract before the next pad came online.
Balloon-payment refinance on a Peterbilt 389 in Laredo
Border-crossing owner-op approaching the balloon payment on his current truck. He wanted to keep the same Peterbilt 389 and pull his monthly payment down. We refinanced the balance outside the original lender and structured a cleaner four-year payback he could absorb without slowing down on cross-border runs.
How we structure commercial truck 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:
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 commercial truck in Texas, we probably have a program for that too.
Ready to talk about your Texas commercial truck deal?
Call 208-534-8525 · A real person picks up
Or
Or apply online here