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.
$500MM+ funded since 2004
4,000+ funded deals
22 years family-owned
5.0 ★ Google reviews
BBB A+ accredited
Why Virginia operators choose us
Most auto repair buyers in Virginia 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 Virginia auto repair financing
Virginia state safety inspection program drives constant demand for inspection-certified lifts and equipment
Northern Virginia DC-metro vehicle density (federal contractor fleets, gov fleets) drives high-volume general repair demand
Hampton Roads naval-base proximity drives demand for diesel-truck and heavy-equipment repair
We work with operators across Virginia's major metros — including Norfolk-Virginia Beach, Richmond, Northern Virginia, Roanoke, and Hampton Roads.
We routinely close deals at the major Virginia auto repair dealers, including BendPak, Rotary Lift, Hunter Engineering, Snap-on Equipment, and Mohawk Lifts — 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 auto repair you're financing in Virginia.
Three minutes on the phone and you'll know what your deal looks like.
Who we fund in Virginia
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 Virginia.
What this looks like in practice
A Richmond independent shop financing two-post lifts and an alignment rack 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.
★★★★★
“I am an Owner-Operator and I was looking to finance the balloon payment on my rig outside of the company I was with. I started searching online and in the local truck stop magazines for a company that could assist in this endeavor. I had multiple companies approach with possible options. Trust Alliance stood out from the rest. Their rep Logan Cleveland was by far one of the most diligent and effective guys I ever worked with. His level of follow-up was unsurpassed. He kept me in complete contact and really helped me at every turn through the process. If you have to deal with anybody, deal with him. He's not only an asset to Trust Alliance, he'll be an asset to you. If I have to do the process again, Logan will be the first and last call I make.”
— Devyn, MD · Owner-Operator · worked with Logan
★★★★★
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
Recently funded auto repair deals in Virginia
A sample of the Virginia files we've closed in the last few months. Names and identifying details redacted; the deals are real.
Richmond independent shop — 2-bay buildout
Established 6-bay independent expanding to 8 bays financed BendPak two-post lifts plus Hunter alignment rack. Clean credit, strong receivables, app-only approval, four-day close.
Established diesel truck shop added a Mohawk 30,000-lb scissor lift. Repeat customer, clean credit, three-day close.
Norfolk first-time mobile mechanic
Former Navy mechanic going independent. Mid-600s credit, cash for down payment. Funded a service truck buildout on a startup program with 15% down.
How we structure auto repair deals in Virginia
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 Virginia we've worked
Trust Alliance Capital has funded 27 customers across 25 cities in Virginia — including operators in:
Virginia BeachAccomacArlingtonBristowCallaoCentrevilleChesterCourtlandDanvilleFredericksburgGladysGlen AllenLawrencevilleNewport NewsPetersburgPortsmouthPounding MillPowhatanRichmondRoanokeSalemStaffordStephens CitySuffolkWoodbridge
We fund operators in towns of every size — if your city isn't listed, that doesn't mean we can't help. Funded in Virginia since 2004. Same family. Same office. (801) 332-9756 rings to a real person.
Also financing in Virginia
We work with operators across every equipment category. If you're buying something other than auto repair in Virginia, we probably have a program for that too.
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.
