Money, Cash Flow & Taxes

A new carrier can be profitable on paper and still die of cash starvation. Brokers pay in 30–45 days; fuel, insurance, and a truck note do not wait. This silo covers the financial plumbing — factoring, fuel cards, tax registrations — and the single number that decides whether a load is worth taking.

Guides in this silo

4.19 min read · updated 2026-06-11
Freight Factoring for New Carriers: When It Saves You and When It Eats You
How factoring works, what recourse vs non-recourse actually covers, the fees hidden below the advertised rate, and how to decide whether a 2.5% discount beats waiting 40 days.
• Factoring converts a 30–45 day invoice into next-day cash for a 1.5–3.5% discount.
• Non-recourse only covers broker insolvency on approved debtors — not disputes, shortages, or claims.
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4.28 min read · updated 2026-05-28
IFTA and IRP: The Two Registrations Everyone Confuses
IRP is how you register the truck across states. IFTA is how you report the fuel you burned in each one. What each costs, what you file, and the recordkeeping that survives an audit.
• IRP = apportioned registration (the plate). IFTA = quarterly fuel tax reconciliation.
• Both apply to interstate vehicles over 26,000 lbs GVW or with three or more axles.
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4.310 min read · updated 2026-06-19
Your Cost Per Mile Is the Only Number That Matters
Build a defensible cost-per-mile model: fixed costs, variable costs, deadhead, and the break-even rate you must clear before accepting a load. Includes a worked one-truck example.
• Cost per mile = (fixed costs + variable costs) ÷ total miles, including deadhead.
• Fixed costs continue whether the truck moves or not — insurance, truck note, permits, ELD.
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