Business financial model file
Trucking Company Financial Model
Separate truck/trailer purchase cash from loaded-mile contribution, with empty miles and driver time kept in the same operating plan.
Opening investment and working cash
The original single-truck case buys the tractor/trailer outright and therefore does not also charge a lease on those same assets.$10,000 of initial fuel/parts working cash is separate from the purchase. Actual equipment condition and required operating permissions must be verified.
| Cash use | $ |
|---|---|
| CAPEX: Selected tractor purchase | 130,000 |
| CAPEX: Selected trailer purchase | 40,000 |
| CAPEX: Telematics/operating equipment | 5,000 |
| Pre-opening: Actual authority/insurance/training setup budget | 7,000 |
| Pre-opening: Contracting and launch | 3,000 |
| Refundable deposit / tied-up cash | 2,000 |
| Opening stock / initial working inputs | 10,000 |
| Reserve: 2 selected fixed-cost months | 26,200 |
| Selected opening cash total | 223,200 |
CAPEX totals $175,000, pre-opening expense $10,000 and working cash $38,200. The deposit and opening stock tie up cash; they are not added again as monthly rent or consumed inputs. The reserve is a chosen fixed-cost buffer, not proof of full funding. Obtain actual installed/tax-inclusive quotes and dated opening payments.
Monthly fixed and variable OPEX
The$8,000 loaded driver commitment assumes 200 paid hours:160 selected driving hours and 40 other operating hours. Road capacity below uses an original 60 mph driving average, not a legal-hours limit or route-speed guarantee. Base depot/standing services and mileage wear are different costs.
| Commitment | $ per month |
|---|---|
| Driver: loaded monthly commitment | 8,000 |
| Truck/depot fixed services | 1,200 |
| Trailer standing services | 400 |
| Insurance | 1,800 |
| Recurring permit/services budget | 500 |
| Telematics | 150 |
| Dispatch | 700 |
| Admin | 350 |
| Total selected fixed cash | 13,100 |
| Item | $ per unit |
|---|---|
| Net collected selling value | 3 |
| Fuel:$0.68 per road mile ×1.20 road/loaded | 0.816 |
| Mileage wear:$0.25 per road mile ×1.20 | 0.3 |
| Tolls per loaded mile | 0.1 |
| Percentage-only fee allocation (2%) | 0.06 |
| Contribution before scheduled payroll/fixed OPEX | 1.724 |
The percentage fee is an aggregate allocation, with no fixed per-payment charge assumed. Unit contribution is not owner income: the full listed monthly roster and overhead still need coverage.
Capacity, break-even and a lower-sales case
Twenty selected eight-driving-hour days at 60 mph permit 9,600 road miles. At 1.20 road miles for each loaded mile, this is 8,000 loaded miles; the selected freight calendar permits 7,600, against a 7,200 plan. Empty mileage, loading waits, actual routes and legal driver schedules must be checked before accepting that ceiling.
For this fixed mix and commitment, whole-unit cash break-even is 7,599 paid loaded miles per month: ($13,100) ÷ $1.724, rounded up. The aggregate capacity is 7,600 units; it does not establish customer demand or a workable daily sequence.
| Paid units | Net sales $ | Selected result $ |
|---|---|---|
| 6,000 | 18,000 | -2,756 |
| 7,599 | 22,797 | 0.68 |
| 7,200 (planned) | 21,600 | -687.20 |
| 7,600 | 22,800 | 2.40 |
At 6,000 loaded miles, the driver, owned fleet services and insurance remain. The near-capacity break-even count leaves little tolerance for waiting time or extra deadhead; the retained guide's route choice is a different mileage block.
Practical KPI definitions
Use net freight receipts/paid loaded miles for yield, total road miles/loaded miles for the empty-mile multiplier and full operating cash per road mile for cost. Never label$3 per loaded mile as$3 per thousand miles, and do not exclude empty miles from fuel/wear.
No depreciation, debt service, income tax or future tractor/trailer replacement is included. Fuel/receiver credit terms and actual freight settlements need a cash calendar; all per-mile rates here are original, not national freight/diesel benchmarks.
Method context: SBA business planning. All case prices, wages, cost ratios, reserve and capacity inputs above are original planning assumptions.
What the model covers
The official Trucking Service Financial Model listing describes editable annual shipment/service units, yearly prices and launch dates, with staffing, salaries and dated expenses/investments. Stream units multiply prices to build revenue. Stated outputs include profit and loss, cash forecasting, revenue/EBITDA, break-even/payback and dashboard indicators.
Use whole-trip economics behind the unit rate
Our original $3 loaded-mile quote contributes $100 per truck-day after empty miles and waiting; the $2.80 alternative contributes $200. The first route would need $3.50 per loaded mile to match the second's daily contribution under the same assumptions.
Use actual all-mile costs, occupied truck-days and load collection terms before adapting stream volumes. Confirm positioning and operator-reviewed route/driver feasibility for the accepted work. The Trucking Company planning guide develops the original worked case.
Planning guide