22 years financing the trucks your business actually runs.

Who we fund

• Strong-credit contractors, recovery operators, and service businesses who want the convenience of an experienced equipment-finance specialist instead of the bank's paperwork shuffle.
• Operators who'd rather work with a specialist than a generalist. A local bank funds homes, cars, and small-business lines — equipment is a side dish. We finance equipment all day. That's the difference between an expert and a generalist, and it shows up in the terms.
• Established work-truck fleets adding trucks that need fast underwriting without bank back-and-forth.
• Startup operators — new USDOT number, new contractor, no fleet history required.
• Buyers of used work trucks outside the dealer's finance-company age and mileage limits.
• Operators with prior BK or thin file who need a finance company that'll work the deal.
• Owner-operators going independent from a leased-on arrangement.
• Municipalities, counties, and state agencies — we finance municipal-spec equipment regularly (sweepers, vactors, refuse, plow trucks).
• Operators who want one financing relationship across many dealers and body builders — get approved with us once, work with any vendor.

Why a work-truck specialty matters

A bank or generalist lender that mostly funds long-haul highway trucks will price a dump truck or a roll-off the same way — wrong life expectancy on the truck, wrong term length, wrong monthly payment. Work trucks earn their money differently and they hold their value differently. Our programs understand that — and you'll see the difference in the terms.

We're experts in equipment financing. We're not generalists. That's the difference.

Frequently asked

Can you finance a dump truck for a startup demolition company? Yes, if you qualify. We have programs built for startup work-truck operators.

Do you finance used work trucks? Yes. We have programs that fund older equipment outside the dealer's finance-company age and mileage limits.

Do you finance municipal equipment (sweepers, vactors, plow trucks, refuse)? Yes. We work municipal-spec equipment regularly — cities, counties, and state agencies.

How fast can you finance a deal? Often 3 to 5 business days. Can be sooner or take longer depending on how quickly insurance can be obtained.

Recently funded vocational deals

A sample of what we've closed in the last few months:

• Dump truck for a construction contractor with a prior bankruptcy. Spencer worked the file through a specialty program; contractor back on the road.
• Roll-off truck for a startup waste-hauling company. No fleet history, no MC number — funded with a higher down payment.
• Tow truck for an established recovery operator adding a second wrecker.
• Septic / vacuum truck for a small fleet — repeat customer, second truck through TAC.
• Service truck for an HVAC contractor. Strong-credit operator, app-only, closed in four days.
• Refuse truck for a private hauler — used municipal-spec equipment from a private seller.

Names redacted for privacy. Real deals, real customers.

What our vocational customers say

"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

"As a small fleet we're always looking for the best financing options. Spencer and his team at Trust Alliance Capital came thru strong with very competitive financing for a trailer we needed funded quickly. Spencer is quick, precise and knowledgeable in his craft. Without question he'll be our first call as we continue to grow." — John, NV (Small Fleet)

"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. He gave me several options to choose from and was very knowledgeable about each one. Very honest and straightforward, and quick to seal the deal." — Rich, NC