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 Washington operators choose us
Most auto repair buyers in Washington 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 Washington auto repair financing
Washington's high EV adoption rate (Seattle metro is among the highest in the U.S.) drives demand for EV-capable lifts, high-voltage diagnostics, and battery service equipment
Tacoma and Seattle body-shop density drives paint booth and aluminum-repair demand
We work with operators across Washington's major metros — including Seattle, Tacoma, Spokane, Vancouver, and Bellingham.
We routinely close deals at the major Washington 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 Washington.
Three minutes on the phone and you'll know what your deal looks like.
Who we fund in Washington
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 Washington.
What this looks like in practice
A Seattle EV-specialty shop financing high-voltage diagnostic tools and an EV-capable lift 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.
★★★★★
The boss riding shotgun on the rebar trailer between hauls
“I have a small trucking company in Raleigh, NC. We deliver rebar for bridges and hospitals. The last 7 weeks purchasing our newest commercial truck, we were hit head-on with downfall and red tape. We were paired with Mr. Camron Hanna. This gentleman went above and beyond to help our employees keep running our roads — mind you, from 7 states away. We highly recommend Mr. Hanna. We are running.”
— Raleigh, NC trucking company · Bridges & hospitals rebar delivery · worked with Camron
★★★★★
“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
Recently funded auto repair deals in Washington
A sample of the Washington files we've closed in the last few months. Names and identifying details redacted; the deals are real.
Seattle EV-specialty shop — buildout
Two-year-old EV-specialty independent shop financed a Snap-on Verus EV scan tool, BendPak EV-capable lift, and battery-service equipment. Clean credit, strong receivables, app-only approval, four-day close.
Spokane diesel pickup shop — heavy-duty lift
Established diesel-pickup shop added a Mohawk 18,000-lb four-post. Repeat customer, clean credit, three-day close.
Tacoma first-time mobile mechanic
Former dealership tech going mobile. 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 Washington
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 Washington we've worked
Trust Alliance Capital has funded 14 customers across 9 cities in Washington — 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 Washington since 2004. Same family. Same office. (801) 332-9756 rings to a real person.
Also financing in Washington
We work with operators across every equipment category. If you're buying something other than auto repair in Washington, 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.
