Finance – Calculate

Find the rate floor before the truck quietly works for free.

Use revenue, loaded miles, deadhead, and operating costs to find the all-mile CPM, operating result, and full business floor when targets are known.

Core rule Deadhead miles count. Blank numbers stay unknown. Protected cash is not profit.
Load Decision Check

Test this load against your saved operating floor.

Use this first for the load in front of you. With a current, complete saved CPM, it checks the load against your own all-mile floor. Without a verified floor, it still shows the load’s revenue per all mile without pretending to know whether the load clears your costs.

Checking your saved CPM.

A verified floor unlocks the full load check. Without one, only revenue per all mile will be calculated.

This check is read-only. It does not save this load or change your Finance record.

Here is the arithmetic for this load.

This daily check is throwaway arithmetic. It does not save the load, rewrite Operating Health, change Cash Flow, create another Finance slot, or substitute an industry benchmark for your own cost floor.

Separate the operating floor from the full business floor.

The operating floor answers “am I covering the truck?” The full business floor answers “am I building a business that can pay you, taxes, reserves, and future pressure?”

Required operating floor

Use total business revenue and all miles for the same period. Deadhead is not free; it belongs in the floor.

Operating costs

Use actual costs for the same period. A known zero should be entered as 0. Leave a field blank only when the number is not available.

Optional full business targets

A suggestion does not count until accepted. A blank target remains unknown. A typed 0 counts as confirmed zero.

Not counted until entered or accepted.
Not counted until entered or accepted.
Not counted until entered or accepted.
Not counted until entered or accepted.
Not counted until entered or accepted.
Not counted until entered or accepted.
Not counted until entered or accepted.

Suggested full-floor targets

Suggestions stay out of the math until accepted.

Completed CPM review

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First move

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Open Cash Flow Decision Center

Educational decision support. Actual contracts, settlements, tax records, bank balances, and operating documents control.

Cash Flow handoff

Checking saved Cash Flow result.

This page can be completed first or second.

Open Cash Flow
Guides

Use the guide that explains the number you found.

Guide 01

CPM and break-even

Understand the all-mile cost floor before calling a load profitable.

Open CPM guide -> Guide 02

Owner pay and profit

Separate owner draw, retained profit, reserves, and actual business health.

Open owner-pay guide -> Guide 03

Taxes and reserves

Keep tax and repair money visible instead of pretending every dollar is spendable.

Open reserve guide -> Guide 04

Deadhead and rates

See how unpaid miles quietly damage the real rate floor.

Open deadhead guide ->
Finance path

Work the Finance path in order.

Diagnose

Finance Starting Point

Name the money problem before choosing a product.

Open Starting Point ->
Calculate

CPM & Load Floor

Calculate the true all-mile operating floor.

Current page
Decide

Cash Flow Decision Center

Find the first short date and name the first move.

Open Cash Flow -> Compare

Payment & Factoring Options

Compare written payment terms only when timing is the remaining problem.

Open Payment Options ->
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Optional Finance updates