Should a 3-truck fleet factor invoices or take a line of credit?
Factoring costs 3% per load and pays in 24 hours. Credit lines cost 8-12% APR and require collateral. The right pick depends on how fast you need cash and what…
Owner-Operator Finance
Insurance, taxes, fuel cards, factoring, IFTA, IRP, lease-purchase math, and the cash-flow side of running 1-to-10 trucks.
How a felon built a 3-truck waste-hauling fleet on $6,500 a week
Debon Sims went from prison pamphlet to $65,000-a-week Amazon contract to stable waste contract. The numbers that kept him alive when the rates fell.
What Progressive's new Cargo Plus coverage costs a 3-truck fleet
Progressive Commercial's Cargo Plus endorsement now covers water damage, corrosion, and driver-error reefer spoilage at no extra charge. The combined single…
How much does freight factoring really cost a 3-truck fleet?
A 3-truck fleet factoring $20,000 a week at 3% pays closer to $3,200 a month once transfer fees, funding charges, and contract minimums stack up. Here's the…
What does a 3-truck fleet need to qualify for freight factoring?
Active MC authority, clean invoices, and approved brokers. Your credit score matters less than the broker's.
Prime Sues IRS for $11M Reefer Fuel Tax Refund Owner-Operators Can Claim Too
The Springfield carrier wants back the federal excise tax it paid on diesel that ran refrigeration units, not highway miles. The same credit is on IRS Form…
TFS and WEX launch equipment financing for carriers after 3-year freeze
Multi-lender platform matches WEX fuel-card customers with truck and trailer loans. Fleets delayed replacement cycles from 3-4 years to 6-plus during the…
The dealer's monthly payment hides 21% in interest. Here's the math.
A $75,000 truck financed at 9% APR for 60 months costs $90,940 all-in. The $15,940 gap is total interest. How to calculate what you're actually paying before…
How to close a 1.5 MPG fuel gap that costs $20,000 a year
Two owner-operators run the same lane. One burns 80 extra gallons a week. The difference is not the truck.
Should You Buy or Lease Your Truck? The Tax Math That Decides
Section 179 and bonus depreciation let you deduct the full purchase price in year one. Here's how that changes the math for a $160,000 truck.
Last-Mile Owner-Ops Gain Edge as Warehouse Space Tightens in 2026
Industrial real estate vacancy is dropping after a year of oversupply. Developers are building smaller, urban warehouses that favor box trucks and sprinters…