Restaurant 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 restaurant 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 restaurant financing
- Texas BBQ culture drives steady demand for commercial smokers, rotisserie ovens, and high-volume ranges — Lockhart, Austin, and the Hill Country are the heart of this market
- Austin and Houston have two of the most food-truck-friendly municipal codes in the country — heavy demand for food-truck builds, fryers, and mobile cooking equipment
- Tex-Mex and border-city restaurants drive demand for tortilla makers, fajita grills, walk-in coolers, and high-capacity ranges
We work with operators across Texas's major metros — including Houston, Dallas-Fort Worth, Austin, San Antonio, and El Paso.
We routinely close deals at the major Texas restaurant dealers, including Mission Restaurant Supply (TX), Ace Mart Restaurant Supply (TX), Texas Restaurant Supply, WebstaurantStore, and KaTom Restaurant Supply — 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 restaurant 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 captive 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 captive 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
An Austin-area BBQ operator financing a 1,000-pound offset smoker for a brick-and-mortar move 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
★★★★★
“Excellent service. I would highly recommend this company for reliable and trustworthy services.”
— Regina S.
Recently funded restaurant 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.
Austin BBQ operator — brick-and-mortar smoker package
Established food-truck BBQ operator moving to brick-and-mortar financed a 1,000-lb offset smoker, walk-in cooler, and prep kitchen package. Clean credit, strong sales receipts, app-only approval, four-day close.
Houston Tex-Mex restaurant — equipment expansion
Established Tex-Mex restaurant adding a second location financed range, hood, tortilla maker, and walk-in cooler. Repeat customer, clean credit, three-day close.
Dallas first-time food truck buyer
First-time food-truck operator with cash for down payment. Mid-600s credit, two clean years of catering Schedule C. Funded a fully built-out taco truck on a startup program with 15% down.
How we structure restaurant 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.
Also financing in Texas
We work with operators across every equipment category. If you're buying something other than restaurant in Texas, we probably have a program for that too.
Ready to talk about your Texas restaurant deal?
Call 208-534-8525 · A real person picks up
Or
Or apply online here