Our trucking business plan writers build plans that get owner-operators and fleets financed. The heart of a trucking plan is the math: realistic per-mile revenue and cost, fuel, maintenance, insurance, and payments, tied to a cash flow a lender can underwrite. We pair that with an operations and safety plan and a clear use of funds, so a bank or the SBA sees a route to repayment, not just a truck.
Per-mile economics that hold up
Lenders and serious investors know trucking margins are thin, so they test the per-mile numbers first. We model revenue per loaded mile against the real costs, fuel, maintenance, insurance, permits, and the truck payment itself, and show deadhead and utilization assumptions you can defend. That detail lives in the numbers behind the plan, built to survive a credit review.
Authority, safety, and compliance
A trucking plan has to show you can operate legally and safely. We cover obtaining USDOT and MC authority, insurance and BOC-3 filing, IRP apportioned registration and IFTA fuel-tax reporting, ELD and hours-of-service compliance, maintenance schedules, and driver hiring where relevant. Lenders read this as evidence that the operation will not be grounded by a compliance failure.
Trucking business plans for a truck or SBA loan
Few owner-operators pay cash, so the loan sits at the front of the plan. Whether you need equipment financing or a business plan financed with an SBA loan, we set out the cash flow and use of funds the way underwriters read them and show the debt is serviceable on realistic freight revenue.
Financing a truck or getting your authority?
We build lender-ready trucking plans with per-mile economics and a clean use of funds. Tell us your lanes and equipment and we'll quote the plan to scope.
Get a free quoteOwner-operator vs fleet
A single owner-operator plan centers on one truck's economics and the driver's income; a fleet plan models multiple trucks, hiring, dispatch, and the overhead that comes with scale. We size the plan to where you are and where you are going, rather than forcing a one-truck template onto a growing fleet.
Cost and process
Pricing tracks the scope of the job; for what moves it, see typical business plan pricing. After a discovery call we research lanes and rates, build the per-mile model, and write the plan, then refine it with you. Curious how the finished document reads? Open a worked sample plan. Tackling a draft yourself first? Our guide on how to write a trucking business plan breaks down the per-mile model in detail.