Capital priced against your cost per mile.
One place for carriers and small fleets to run their own numbers: what a mile actually costs, whether a load clears, whether to repair or replace, and which financing structure fits the truck you are about to add.
No hard credit pull to start. No applicant fees. Partners typically look for 2+ years of active authority and $100K+ in monthly revenue.
Capital Scan · Step 1 of 2
Takes 60 seconds. No hard credit pull.
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Start with the move
Pick one and the calculator below changes to the question that move actually asks.
Run the numbers first
Split one month off your bank statements two ways: what every mile costs you in fuel, tires and maintenance, and what the month costs you whether the truck moves or not. Recover both across the only miles anybody pays for and what comes out is the floor under every load you quote.
1
One truck for an owner-operator. A fleet only if every figure below averages.
2,400
Odometer to odometer, not the miles you billed.
1,950
The only miles anybody pays for. The rest is deadhead you still fuel.
$0.8
Last month's fuel, tire, repair and toll spend divided by total miles.
$12,500
Payments, insurance, permits, dispatch, and driver pay including your own.
$2.95
Last month's linehaul revenue divided by loaded miles. Blank for the floor.
Loaded mile cost
At these figures, loaded mile cost comes out at $2.460 a mile.
$2.460a mile
Base, example figuresNothing you type here leaves your browser
Every figure is worked out on this page. No input is sent anywhere, stored, or attached to you.
Every figure here is yours to check
It runs on the numbers you entered and nothing else, so you can rebuild any line of it by hand.
Talk to a funding specialist
A real conversation about what these numbers mean before you apply to anything.
Put a driver wage for yourself into the fixed cost line or the answer flatters you. It recovers your whole cost across loaded miles only, because those are the only miles anybody pays for, which is why it lands above ATRI's $2.336 average cost of running a mile in 2025. The two numbers answer different questions: ATRI's is what a mile costs, this one is what a loaded mile has to sell for. Use ATRI's figure for the market comparison and this one for the load board. The yearly figure assumes you keep running the same miles at the same rate, which no year does.
Trucking is one of the most heavily regulated industries in the alternative finance market. Our funding partners typically require:
Owner-operators under 2 years, fleets under $100K monthly revenue, or carriers with significant safety violations have very limited options through our partner network. Apply anyway, we'll be straight with you about what's available before you commit to anything.
Slow broker pay? Invoice factoring may be your best fit.
Owner-operators and small fleets often have better options through receivables factoring, getting paid on hauls within 24-48 hours instead of waiting 30-60 days for broker pay. It's one of several structures we arrange, alongside equipment financing and revenue-based funding. Ask us about it during your application.
What we actually structure for this industry. Your amount depends on the file.
Equipment, line of credit, term, SBA, asset-based, receivables, revenue-based, and a business HELOC.
No applicant fees and no hard credit pull to start. Funding partners set final terms.
The numbers
Unless noted: ATRI, An Analysis of the Operational Costs of Trucking, 2026 Update ·
The cash year
A soft first quarter, a spring produce season, and an autumn build to peak. Renewals ignore all three.
Seasonal pattern
Freight is soft in January and February and the renewal calendar is not. Draw through the quarter and repay out of produce season.
A truck approved on peak-season months is repaid through January and February. Model the payment against a soft month, not a strong one.
Broker terms do not shorten when freight softens, so cash stays out on loads you already delivered through the weakest quarter of the year.
This is the freight year, not a revenue index. Your own lanes, your own customers and diesel decide how deep it runs.
Funding products
Monthly
Once a month: where operating costs are moving, what structures are being written for small fleets, and the regulatory and tax changes worth knowing before you sign for a truck. No pitch, unsubscribe in one click.
Reading
Everything we have published for carriers, newest first. 6 pieces in total. Narrow it to the shelf you need, or read straight down the list.
Disclosure
Figures on this page are illustrative estimates only and are not an offer of financing. All amounts, rates, factor rates, terms, payment amounts, timelines, and qualification criteria vary by lender, depend on funder underwriting and your business's bank statement history, and are subject to change without notice. Nothing here is guaranteed until a funder issues terms and you sign them. Factor rates do not represent APR. Commera is a broker, not a lender, and does not set rates.
Local market guides
Compare local demand, operating costs, cash timing, and funding considerations in the markets where we have dedicated guidance.
Common questions
The questions owners ask before they apply, answered for carriers.
Ready to move?
3-minute application. Soft credit pull only. No obligation.
