Commercial Freight Calculators & Rate Underwriting Tools
Operational cost-per-mile baselines, broker spot load evaluations, and vendor financing fee audits. Built specifically for independent owner-operators and small fleets.
Carrier Cost-Per-Mile & Rate Calculators
Calculate your exact equipment break-even rate and audit spot market broker quotes before dispatch.
Box Truck Cost-Per-Mile Calculator
16ft–26ft Dock-High • GVWR 16,001–26,000 lbs • Non-CDL & CDL
Calculate exact operating costs for straight trucks. Factor in fixed notes, commercial insurance, diesel burn, and uncompensated deadhead to establish your break-even rate floor.
Hotshot Cost-Per-Mile Calculator
Class 3–5 Power Unit + 40ft Gooseneck • Non-CDL (26k) & CDL (40k)
Determine true operating costs for heavy-duty truck and trailer setups. Decouple power unit financing from trailer depreciation, tire wear reserves, and commercial insurance.
Load Profitability Calculator
Live Broker Offer Audit • All Commercial Equipment Classes
Audit broker spot load offers in real time against your operating CPM floor. Factor in dispatch commissions, empty origin deadhead, tolls, and lumpers before booking.
Trucking Finance & Fuel Card Audits
Uncover per-swipe transaction fees and annualized factoring APR before signing vendor agreements.
Fuel Card Net Savings Calculator
Retail Diesel Discount vs. Transaction Fee Amortization
Unmask advertised pump discounts. Amortize flat per-swipe fees and monthly software dues against your actual fill-up volume to reveal your real net savings per gallon.
Factoring True APR Calculator
Non-Recourse & Recourse Advance Cost Amortization
Convert flat 2–5% factoring fees and spot quick-pay deductions into true annualized APR across 30 to 60-day terms. Uncover the real cost of working capital on Day-0 advances.
Carrier Guides & Benchmarks
Operating Benchmarks & Managerial Accounting Frameworks
Explore comprehensive operational guides, real-world cost-per-mile benchmarks, and cash flow underwriting formulas built specifically for commercial carriers.
Equipment & Underwriting Tool Matrix
Match your vehicle configuration, operating authority, or financial audit workflow directly to the dedicated TrueUnderwrite model.
| Equipment / Operating Mode | Classification & GVWR | Primary Cost Drivers Modeled | Dedicated Calculator |
|---|---|---|---|
| Straight Box Trucks (16ft–26ft) | Class 4–6 (16,001–26,000 lbs) • Dock-High Cargo | Single power unit debt, retail diesel burn, local/regional uncompensated deadhead | Box Truck CPM |
| Hotshot Combinations | Class 3–5 Power Unit + Gooseneck (Under/Over 26k GCWR) | Decoupled truck/trailer financing, accelerated tire wear, gooseneck sinking funds | Hotshot CPM |
| Live Broker Spot Loads | All Commercial Classes • Dry Van, Reefer, Flatbed, Straight | Gross rate offer vs. true operating CPM, origin deadhead miles, dispatch commissions, lumpers/tolls | Load Profitability |
| Commercial Fuel Cards | All Fleets & Owner-Operators | Per-swipe transaction fee drag, monthly SaaS platform dues, actual tank fill volume | Fuel Card Savings |
| Freight Factoring & Quick-Pay | All Operating Authorities (Day-0 Working Capital) | Flat invoice fee percentage annualized against true funding days (30–90 days), reserve holdbacks | Factoring APR |
Straight Box Trucks (16ft–26ft)
Class 4–6 (16,001–26,000 lbs) • Dock-High Cargo
Single power unit debt, retail diesel burn, local/regional uncompensated deadhead
Hotshot Combinations
Class 3–5 Power Unit + Gooseneck (Under/Over 26k GCWR)
Decoupled truck/trailer financing, accelerated tire wear, gooseneck sinking funds
Live Broker Spot Loads
All Commercial Classes • Dry Van, Reefer, Flatbed, Straight
Gross rate offer vs. true operating CPM, origin deadhead miles, dispatch commissions, lumpers/tolls
Commercial Fuel Cards
All Fleets & Owner-Operators
Per-swipe transaction fee drag, monthly SaaS platform dues, actual tank fill volume
Freight Factoring & Quick-Pay
All Operating Authorities (Day-0 Working Capital)
Flat invoice fee percentage annualized against true funding days (30–90 days), reserve holdbacks
Managerial Accounting Built Exclusively for Independent Carriers
Every model amortizes uncompensated deadhead directly across paid loaded miles and pre-funds maintenance sinking funds before calculating net yield. All formulas execute 100% on your device with zero broker access, zero database storage, and no sign-up required.