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 trailer 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 trailer financing
Port of Virginia drayage (Norfolk International Terminals plus Virginia International Gateway) drives constant chassis and dry van demand
I-95 corridor freight plus federal-contractor logistics serving DC metro generate sustained dry van trailer demand
Virginia tobacco-belt and Roanoke Valley freight create niche flatbed and dry van demand
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 trailer dealers, including Great Dane Norfolk, Utility Trailer Sales Virginia, Wabash National Richmond, Stoughton Trailers Virginia, and Penske Trailer Leasing — 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 trailer 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.
Insurance partner
Need commercial truck or trailer insurance?
We refer truck and trailer insurance to Ten Four Insurance. They specialize in operators going independent, fleets adding equipment, and new-authority owner-ops — the same kind of customers we fund. They usually quote fast.
A Norfolk-area drayage operator adding a container chassis for Port of Virginia runs 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.
★★★★★
Dempsey's Freightliner Cascadia day cab — funded for fleet expansion
“I'm the owner of a trucking company and I had a great experience with Trust Alliance Capital. We had done an internet search for a highly rated financial company to help us attain funding for more trucks. Rodney Sessions was our agent and he was extremely knowledgeable and helpful. I would give all of the staff at Trust Alliance Capital 5 stars and highly recommend them.”
— Dempsey S., FL · Trucking Company Owner · worked with Rodney
★★★★★
“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 trailer 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.
Port of Virginia drayage chassis add
Established drayage operator pulling containers from NIT and VIG added a new chassis. Clean credit, repeat customer, app-only approval, three-day close.
Northern Virginia federal-contract dry van add
Three-year-old carrier with DC-area federal logistics contracts added two Great Dane dry vans for a new lane. Mid-700s credit, app-only, four-day close.
Richmond first-time flatbed buyer
Twelve-year company driver going owner-op on Mid-Atlantic freight. Mid-600s credit, cash for a down payment. Funded a used Fontaine flatbed on a first-time owner-op program with 15% down.
How we structure trailer 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 trailer 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.
