Freight Underwriting Tools
Operational cost-per-mile baselines, broker offer evaluations, and financial audits. Built specifically for independent owner-operators and small fleets.
Rate & Operating Cost Modeling
Calculate baseline operating floors and evaluate spot market loads against your actual cost structure.
Box Truck CPM
Model fixed and variable expenses for 16ft–26ft straight trucks. Factor uncompensated deadhead into your break-even floor.
Hotshot CPM
Decouple power unit and trailer economics for Class 3–5 combinations. Accurately model heavy maintenance and DEF reserves.
Load Profitability
Audit broker spot load offers against your operating CPM floor. Determine true net profit and margin before booking.
Cash Flow & Financial Audits
Unmask hidden transaction fees, per-swipe amortizations, and true borrowing costs.
Fuel Card Savings
Unmask advertised pump discount traps. Amortize per-swipe transaction fees against tank size to reveal your true net cents-per-gallon savings.
Factoring APR
Convert flat 30-day factoring fees and spot quick-pay deductions into annualized APR. See the real cost of capital on your Day-0 cash advances.
The TrueUnderwrite Calculation Standard
Zero-Profit Operating Floor
Our models do not assume arbitrary revenue. We calculate your exact cost-to-turn-a-wheel baseline so you know the precise dollar figure where a load transitions from losing money to generating profit.
Uncompensated Deadhead
Empty repositioning miles consume fuel, tires, and maintenance without generating revenue. TrueUnderwrite amortizes deadhead expense directly across paid miles to prevent negative margin surprises.
Client-Side Sovereignty
All calculations execute locally in your browser memory. We maintain zero database, zero tracking cookies, and zero user accounts. Your financial records, margins, and equipment debt remain entirely on your device.