TU
TrueUnderwriteCommercial Intelligence
Commercial Freight Intelligence

Stop Guessing.
Start Underwriting.

Professional operational modeling for independent carriers. Calculate your exact break-even floor, isolate maintenance reserves, and evaluate live broker loads with mathematical certainty.

Select Your Equipment →

Select Your Operating Model

Build your baseline cost-per-mile or evaluate a live broker rate.

Live

Box Truck CPM

Model 16ft to 26ft straight truck operations. Factor uncompensated deadhead and generate professional rate sheets.

Open Calculator
Live

Hotshot CPM

Specialized financial modeling for decoupled Class 3-5 assets. Account for dynamic trailer reserves and split fixed costs.

Open Calculator
Live

Load Profitability

Evaluate individual broker loads against your baseline CPM. Factor tarping, lumper fees, and true dispatch margins.

Open Evaluator
The Workflow

How TrueUnderwrite Works

1

Establish Baseline CPM

Enter your equipment payments, insurance, and maintenance reserves to reveal your absolute zero-profit operating floor.

2

Evaluate Live Freight

Plug your baseline CPM into the Load Evaluator alongside specific broker rates, dispatch fees, and deadhead logistics.

3

Export & Negotiate

Generate a one-click professional PDF rate sheet to justify your target rates and negotiate with absolute mathematical certainty.

Core Philosophy

The Difference Between Driving & Operating

01

Unmasking Deadhead

A $2.00/mile rate is a mathematical illusion if it requires 150 empty miles to return to a freight lane. Our models strictly calculate revenue requirements across paid miles only, preventing uncompensated transit from eroding your net profit.

02

Future-Proofing Reserves

Profit isn't what is left in your checking account at the end of the month; it is what remains after accounting for future tire replacements, routine maintenance, and fluid consumption. We isolate per-mile variable reserves to protect your cash flow.

03

Data Sovereignty

Your operating costs are yours. TrueUnderwrite functions purely on the client-side. We do not transmit, capture, or store your financial data, truck payments, or business overhead.

Ready to underwrite your freight?

Select your equipment profile and start building your financial baseline.

Launch Calculators