Construction financing for Utah 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 Utah operators choose us
Most construction buyers in Utah 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 Utah construction financing
- Wasatch Front residential and commercial construction is one of the fastest-growing markets in the West — Lehi tech corridor and Silicon Slopes buildout drives sustained heavy-equipment demand
- St. George metro residential boom drives constant skid steer, mini-ex, and loader demand for southern Utah contractors
- Mining and aggregate work (copper at Kennecott, plus dozens of sand-and-gravel pits) creates steady demand for off-highway haul trucks and large loaders
We work with operators across Utah's major metros — including Salt Lake City, Provo, Ogden, St. George, and Lehi.
We routinely close deals at the major Utah construction dealers, including Wheeler Machinery (CAT), Honnen Equipment, Arnold Machinery, Stotz Equipment (Deere), and Western States Equipment — 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 construction you're financing in Utah.
Three minutes on the phone and you'll know what your deal looks like.
Who we fund in Utah
- 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 Utah.
What this looks like in practice
A Lehi-area site contractor on tech-campus pad and infrastructure work in the Silicon Slopes corridor 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.
★★★★★
“Trust Alliance Capital helped me get financing for a dump truck when I had a previous bankruptcy on my record. Spencer worked hard to find me a program that fit my situation and got me back on the road. I am very grateful for their help and would recommend them to anyone in a similar situation.”
— Andy · Construction Contractor · worked with Spencer
★★★★★
“Spencer and Trust Alliance Capital helped me get financed for my first semi truck as a startup owner-operator when no one else would. The process was smooth and Spencer was always available to answer my questions. I would highly recommend them to anyone looking for commercial truck financing.”
— Bobby · Owner-Operator · worked with Spencer
Recently funded construction deals in Utah
A sample of the Utah files we've closed in the last few months. Names and identifying details redacted; the deals are real.
Silicon Slopes sitework contractor adding fleet
Three-year-old grading contractor on tech-campus pads added a CAT 320 excavator. Clean credit, strong project receivables, app-only approval, four-day close.
St. George residential grading crew adding a dozer
Established Washington County grading contractor added a CAT D5 for a new master-planned community. Repeat customer, app-only, three-day close.
Provo first-time skid steer buyer with thin file
Sole-proprietor landscape installer going from rentals to ownership. Mid-600s credit, two years self-employed. Funded a Kubota SVL75 on a startup program with 15% down.
How we structure construction deals in Utah
- 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 Utah we've worked
Trust Alliance Capital has funded 9 customers across 7 cities in Utah — 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 Utah since 2004. Same family. Same office. (801) 332-9756 rings to a real person.
Also financing in Utah
We work with operators across every equipment category. If you're buying something other than construction in Utah, we probably have a program for that too.
Ready to talk about your Utah construction deal?
Call (801) 332-9756 · A real person picks up
Or
Or apply online here