Commercial Truck financing for Washington operators.
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 commercial truck 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 commercial truck financing
The Northwest Seaport Alliance (the Ports of Seattle and Tacoma combined) is one of the largest container gateways on the West Coast — drayage and short-haul tractor demand is constant year-round
I-5 connects the Puget Sound metro to Portland and on to California, while I-90 east from Seattle is the primary East-West route through the state — both corridors carry continuous Class 8 freight
Agricultural freight from the Yakima Valley and the Columbia Basin (apples, hops, hay, potatoes) plus the cross-border Canadian freight through Blaine creates steady niche tractor 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 commercial truck dealers, including TEC Equipment, Peterbilt of Western Washington, MHC Kenworth Seattle, Cummins Northwest, and Vanguard Truck Centers — 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 commercial truck 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.
First-time buyer commercial truck financing in Washington
First truck deals are our specialty. The pattern: 2+ years driving CDL Class A as a company driver or leased-on, MC/DOT active or ready to activate, a specific used tractor picked out at a Washington dealer (used Cascadia, T680, T800, Peterbilt 579), strong personal credit, and 15–25% down. We package it, walk it through underwriting, and coordinate title work and insurance so you can focus on the truck. Most first-time deals in Washington fund inside a week from a complete app.
Heavy-duty commercial truck financing in Washington
Class 8 tractors — Freightliner, Peterbilt, Kenworth, Volvo, Mack, International — new and used. Washington operators hauling for oilfield services, port drayage, aggregate, agricultural freight, or long-haul get the same underwriting: credit-tier appropriate, no BS on down payment ranges, direct funding to the dealer or private seller. Larger heavy-duty deals ($150K+) run full-financials underwriting on established credit; smaller and app-only on the right profile.
Used commercial truck financing in Washington
Where most Washington truck deals actually happen. Used Cascadias, T680s and T880s, Peterbilt 579s and 389s, Volvo VNLs — including higher-mile units the dealer's finance company won't touch. High-mile programs (700K+ miles) run with adjusted down payment and shorter term. Auction, dealer, and private-seller deals all work.
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 Tacoma-based drayage operator pulling containers out of the Northwest Seaport Alliance 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
★★★★★
“As a small fleet we're always looking for the best financing options. Spencer and his team at Trust Alliance Capital came through 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 in the future. I highly recommend.”
— John M., NV · Small Fleet · worked with Spencer
Recently funded commercial truck 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.
Northwest Seaport Alliance drayage — third truck added
Established carrier pulling containers from the Port of Tacoma to inland DCs in Sumner and Kent added a third Kenworth T680 day cab. Three-year operating history, repeat customer, strong receivables. App-only approval, four-day close.
Yakima Valley apple hauler refinancing a balloon
Owner-op running refrigerated apples and produce from Yakima to West Coast DCs and into the Midwest during peak harvest. Wanted to refinance a balloon payment coming due. We restructured the loan outside the original lender on a clean four-year payback.
Spokane first-time owner-op going independent
Twelve years driving I-90 for a regional carrier. Credit in the high 600s, well-paid revolving balances, cash for a down payment. Found a used Peterbilt 579 at Peterbilt of Western Washington. Funded on a first-time owner-op program with about 12% down, three-day close.
How we structure commercial truck 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 commercial truck 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.
