Capital for the equipment your business runs on.
Ally Capital USA finances the machines, vehicles, and tools that keep small and mid-size companies moving — with rates and terms structured to beat your local bank. One rule: the equipment has to work for the business.
A financing partner that speaks the language of business owners.
Ally Capital USA, LLC is a Texas-based commercial finance company focused on one thing: getting productive equipment into the hands of the businesses that need it. We work with owners across the trades and industries — the kind of borrowers a traditional bank often overlooks or slows down.
Because equipment finance is our specialty, not a side product, we can move quickly, structure creatively, and hold our pricing to a simple standard — better rates and terms than the local bank, on financing that has to be used for legitimate business purposes.
Equipment that earns If it works for the business, we can fund it.
From the yard to the shop floor to the back office — we finance new and used equipment across the industries that drive the U.S. economy.
Construction & Heavy
Excavators, loaders, dozers, cranes, and attachments for contractors and site crews.
Transportation & Fleet
Trucks, trailers, service vans, and specialty vehicles that keep operations on the road.
Manufacturing
CNC machines, presses, production lines, and material-handling systems for the shop floor.
Medical & Dental
Imaging, lab, dental chairs, and diagnostic equipment for practices and clinics.
Restaurant & Hospitality
Commercial kitchens, refrigeration, POS, and front-of-house fit-outs.
Technology & Office
Servers, workstations, telecom, and office systems that scale with the team.
Bank-beating terms, without the bank runaround.
Better than the bank
We hold our rates and terms to a clear benchmark: more competitive than what your local bank puts on the table.
Speed that matters
Simple applications and direct decisioning mean approvals in days, not weeks — so you don't lose the deal.
Built for SMBs
We're structured around the needs of small and mid-size operators, not just large corporate borrowers.
One clear rule
The equipment has to be used for business purposes. Meet that, and we'll work to structure the rest.
Structures that fit how your business actually operates.
Choose the approach that matches your cash flow and tax picture. Not sure which fits? We'll walk through the options with you.
Equipment Financing
Own the asset from day one and spread the cost over its working life.
Equipment Leasing
Lower monthly outlay with flexible end-of-term options to buy, upgrade, or return.
Sale-Leaseback
Unlock cash from equipment you already own while you keep right on using it.
Working Capital
Bridge financing tied to your equipment and receivables to cover growth and gaps.
Four steps from quote to funded.
Apply
Send us the equipment details and a short application. For most requests under six figures, that's a single page.
Review
We look at the business and the asset directly — no committee maze — and come back with questions fast.
Offer
You get clear terms with the rate, payment, and structure laid out. Compare it to your bank, side by side.
Fund
Sign, and we pay the vendor. Your equipment gets to work — and so does your capital.
What business owners ask us.
Yes. We regularly finance both new and used equipment. What matters most is that the asset holds working value and will be used for business purposes.
We focus on small and mid-size businesses across construction, transportation, manufacturing, medical, hospitality, technology, and more. If your company uses equipment to operate or grow, we'd like to talk.
Equipment finance is our specialty, so we move faster and structure more flexibly — and we benchmark our pricing to beat the rates and terms of a typical local bank.
The financing has to be used for legitimate business purposes. Personal-use purchases fall outside what we finance.
Because we decision directly, many requests can move within 24 to 48 hours of receiving a complete application. Larger or more complex transactions may take a little longer.
Let's price your next piece of equipment.
Tell us what you're looking to finance. We'll come back with clear terms you can hold up against your bank — no obligation.
Office Hours — Mon–Fri · 9:00 AM–6:00 PM CT
Garland, TX 75042-8403
