Found the tractor you want? Get pre-approved before you sign.

What we finance

• Sub-compact and compact tractors — Kubota BX/B/L-series, John Deere 1-3 Series, Mahindra eMax/Max, Kioti CK/DK. Under 50 HP, for small farm and landscape-contractor operations.
• Utility tractors — Kubota M-series, John Deere 5-6 Series, Massey 4700, New Holland Workmaster, Case IH Farmall. The workhorse for small to mid-size operations, 50-150 HP.
• Row-crop and high-HP tractors — John Deere 7R/8R, Case IH Magnum, New Holland Genesis, Massey 8700. 150-400+ HP, MFWD and articulated 4WD configurations.
• Implements financed with the tractor — loaders, mowers, tillers, planters, balers, sprayers, snowblowers. Single contract, one pre-approval.

Who we fund

• Established farmers and ranchers adding capacity or replacing aging equipment. Recurring revenue from crops, livestock, or contract work makes these the cleanest deals on our desk.
• Operators who've found the tractor. Whether it's at a dealer — pre-approval in 24 hours so you negotiate from a position of strength.
• Landscape contractors and grounds-maintenance crews. Adding a compact or utility tractor for commercial mowing, brush clearing, snow removal, or estate-grounds contracts. Recurring contract revenue strengthens the file.
• Landscape contractors and grounds-maintenance operations using utility tractors with loaders, mowers, and snow attachments.

What a typical tractor deal looks like

The cleanest tractor deals on our desk follow a pattern: established operator (farm, ranch, or landscape contractor), one to ten years of operating history, a specific machine identified (often a used 2018-2023 Kubota MX, John Deere 5075E, or Mahindra 2600 series at 500-2,500 hours), credit that's grown alongside the operation, and a clear use — adding capacity, replacing an aging tractor, or putting an implement to work.

That profile gets bounced at most banks for one of three reasons: under 3 years in business, used equipment, or the bank doesn't have an ag-tractor program at all. The dealer's finance company (John Deere Financial, Kubota Credit, CNH Industrial Capital) usually won't touch used machines outside their age-and-hours limits. We look at the same file and see a credit-worthy operator with real revenue and a clear need for the tractor.

When the deal closes, it's the program-network model doing the work: one application, the right program identified in 24 hours, soft credit pull only, title and lien work coordinated by us, wire to the seller (or dealer) the same week.

If your operation looks like that — farm, ranch, or landscape contractor with the machine identified — call us. We have programs built for exactly that profile. TAC finances tractors for business use only. Hobby and personal-acreage tractors don't qualify.

Why TAC vs. one bank or the dealer's finance company

Most tractor buyers take the deal to their farm bank or business bank first and get rejected for used. Then they try the dealer's finance company (John Deere Financial, Kubota Credit, CNH Industrial Capital, Mahindra Finance) and get rejected for not buying brand-new from that specific dealer. Each rejection is another hard credit pull, another week lost, and another seller losing patience. TAC fixes that: one application, programs across every credit tier, soft credit pull, and the right fit identified in 24 hours.

Trust Alliance Capital is a Kaysville, Utah-based, BBB A+ rated commercial equipment finance company, family-owned since 2004 — same family, same office, same phone number for 22 years. The person who picks up the phone at 208-534-8525 is the same person who'll work your file through to funding.