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 work truck 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 work truck financing
Salt Lake metro Silicon Slopes plus Davis County distribution growth drive dump, service, and utility truck demand
Uintah Basin oilfield service plus mountain-corridor utility work add specialty vacuum and water-truck demand
Wasatch Front winter snow-plow utility plus HVAC service and propane delivery drive small-fleet vocational density
We work with operators across Utah's major metros — including Salt Lake City, West Valley City, Provo, West Jordan, and Sandy.
Tell us about the work truck 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 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 Utah.
What this looks like in practice
A Salt Lake-area operator financing a used Freightliner M2 service body truck and snowplow for Wasatch Front year-round routes 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.
★★★★★
“Words can't express how grateful I am for getting linked with Spencer from Trust Alliance Capital. The moment we spoke I knew he was gonna be the right fit for what I needed. He gave me several options to choose from and was very knowledgeable about each one. I was very appreciative that he was honest and straightforward with me and always responded back quickly. Once we agreed on which option to take, it didn't take him long to seal the deal. If any of my friends or others are looking to get financed and start up their business I will surely point them in his direction. Thanks Spencer for your patience and due diligence — you'll always have a customer in me.”
— Richard H., NC · worked with Spencer
★★★★★
Tyson's Peterbilt 389 and hopper trailer at the fuel island
“Camron is the best. I had less than perfect credit and he went above and beyond to help me secure financing for a semi and trailer. He took care of everything and made it easy to get everything done. Will use them again in the future.”
— Tyson O. · Owner-Operator · worked with Camron
How we structure work truck 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:
Eagle MountainVernalDeltaHurricaneNibleySaratoga SpringsSouth Jordan
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. 208-534-8525 rings to a real person.
Also financing in Utah
We work with operators across every equipment category. If you're buying something other than work truck in Utah, 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.
