Construction financing for West Virginia 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.
Why West Virginia operators choose us
Most construction buyers in West 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 West Virginia construction financing
- Coal mining and reclamation work plus Marcellus gas-line right-of-way construction drive heavy off-highway haul truck and excavator demand
- Aging Appalachian infrastructure and WVDOT bridge work generates steady contractor demand for site equipment
- Morgantown university-corridor and Charleston metro construction sustains continuous excavator and loader demand
We work with operators across West Virginia's major metros — including Charleston, Huntington, Morgantown, Parkersburg, and Wheeling.
We routinely close deals at the major West Virginia construction dealers, including Walker Machinery (CAT), Brandeis Machinery (Komatsu), Hayden-Murphy Equipment (Deere), Linder Industrial Machinery, and Cleveland Brothers — 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 construction you're financing in West Virginia.
Three minutes on the phone and you'll know what your deal looks like.
Who we fund in West 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 West Virginia.
What this looks like in practice
A Morgantown-area sitework contractor working Marcellus pipeline right-of-way projects 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.
★★★★★
“My experience with Trust Alliance Capital was great. If I could I would give them 10 stars. Took a week to get my deal done, got approved in one day, found my truck over the weekend and I just signed my paperwork yesterday. Thanks to Spencer and his assistant Kathleen — you need finance, Trust Alliance Capital is who I would recommend. They made it happen. Thanks again.”
— Diante C. · worked with Spencer
★★★★★
“I worked with Camron Hanna on a financing deal that wasn't easy at all. The amount was high and the approval process was complicated, but he still got it done. I've dealt with other brokers before, and honestly none of them handled things the way he did. Camron stayed on top of everything from start to finish. He explained each step clearly, answered every call and text, and made sure the deal didn't fall apart even when things got tricky. He pushed the process forward and got me an approval. The whole team at Trust Alliance Capital is solid. They're organized, responsive, and you can tell they know what they're doing. It's rare to find a company that actually takes the time to help, especially with bigger and more challenging files. I highly recommend working with them.”
— Alican A. · worked with Camron
Recently funded construction deals in West Virginia
A sample of the West Virginia files we've closed in the last few months. Names and identifying details redacted; the deals are real.
Marcellus right-of-way contractor adding a dozer
Three-year-old pipeline-ROW contractor added a CAT D6 dozer for a new midstream project. Strong oilfield receivables, mid-700s credit, app-only approval, four-day close.
Coal-reclamation contractor adding rock truck
Established operator running mine-reclamation projects added a used CAT 745 articulated haul truck. Repeat customer, clean credit, three-day close.
Huntington first-time mini-ex buyer with prior BK
Sole-proprietor utility contractor with a 2022 Chapter 7. Two clean years post-discharge, strong project pipeline. Funded a used Bobcat E50 on a story-credit program with 20% down.
How we structure construction deals in West 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 West Virginia we've worked
Trust Alliance Capital has funded 3 customers across 3 cities in West Virginia — 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 West Virginia since 2004. Same family. Same office. (801) 332-9756 rings to a real person.
Also financing in West Virginia
We work with operators across every equipment category. If you're buying something other than construction in West Virginia, we probably have a program for that too.
Ready to talk about your West Virginia construction deal?
Call (801) 332-9756 · A real person picks up
Or
Or apply online here