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Resources for Independent Carriers

Practical, no-nonsense guides written for owner-operators and small fleet owners. Based on AICA research and carrier feedback.

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90-Day Cash Flow Survival Calculator

See whether your operation can survive the payment gap — and what it costs to close it. Projects your first 90 days with and without invoice factoring, side by side.

Launch Calculator

Guides & Articles

6 min read

What to Look for in a Factoring Agreement

A comprehensive guide covering spot vs. contract factoring, recourse vs. non-recourse agreements, what a fair rate looks like, hidden fees to watch for, and the questions every carrier should ask before signing.

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7 min read

New Carrier Checklist: Your First 90 Days

Everything you need to handle in your first 90 days with a new MC authority — from IFTA registration and BOC-3 filing to ELD compliance, insurance minimums, and understanding why cash flow kills more new carriers than anything else.

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5 min read

Understanding Cash Flow as an Owner-Operator

The 30-45 day broker payment gap is real, and it catches new carriers off guard. Learn about fuel card options, the real cost of factoring versus the real cost of waiting, and how experienced carriers manage cash between loads.

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