TRUCK BUSINESS PLAN TEMPLATE
Fill in every [bracket]. Keep it to about five pages. A lender or partner should be able to read it in ten minutes.
Not legal, tax or financial advice. Have it reviewed for your state and your situation.

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1. THE COMPANY IN ONE PARAGRAPH
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Legal name: [ ]
Entity type and state: [LLC / sole proprietor / corporation, state]
USDOT number: [ ]        MC number: [ ]        Authority active since: [date or "pending"]
Owner(s) and experience: [years driving, years in business, other relevant experience]
What we haul and for whom: [equipment, freight types, main customers or brokers]

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2. LANES AND FREIGHT
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Home base: [city, state]
Main lanes (origin -> destination, loads per week expected):
  1. [ ] -> [ ]   [ ] loads/week
  2. [ ] -> [ ]   [ ] loads/week
  3. [ ] -> [ ]   [ ] loads/week
Where loads come from: [brokers, direct shippers, load boards, dispatch service]
Seasonality: [busy months, slow months, what changes]

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3. EQUIPMENT
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Unit | Year/make/model | Owned/financed/leased | Monthly payment | Trailer | Notes
101  | [ ]             | [ ]                   | $[ ]            | [ ]     | [ ]
102  | [ ]             | [ ]                   | $[ ]            | [ ]     | [ ]

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4. PER-TRUCK MONTHLY P&L (use per-truck-pnl.csv for the numbers)
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Revenue per truck per month: $[ ]
Driver pay: $[ ]          Fuel: $[ ]           Truck/trailer payments: $[ ]
Insurance: $[ ]           Maintenance/tires: $[ ]   Dispatch: $[ ]
Other (ELD, phone, tolls, permits): $[ ]
Profit per truck per month: $[ ]
Operating ratio (costs / revenue): [ ]%
Cost per mile (all miles): $[ ]        Floor rate per mile: $[ ]
Sources for any benchmark you quote: [publisher, report, year]

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5. CASH RUNWAY
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Cash in the bank today: $[ ]
Weekly expenses (all trucks): $[ ]
Days until brokers pay (average): [ ]
Lowest expected balance in the next 8 weeks: $[ ] in week [ ]
How the gap is covered: [reserve, quick pay, factoring, line of credit]

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6. THE GROWTH TRIGGER FOR THE NEXT TRUCK
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We add the next truck when ALL of these are true:
  [ ] Each current truck has made at least $[ ] profit per month for [ ] months
  [ ] Cash reserve covers [ ] months of the new truck's fixed costs
  [ ] A qualified driver is identified
  [ ] Freight for the new unit is lined up: [lanes or customers]
Planned timing: [month, year]

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7. RISKS AND WHAT WE DO ABOUT THEM
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Risk 1: [slow freight market]      Plan: [ ]
Risk 2: [major repair]             Plan: [reserve per mile, breakdown coverage]
Risk 3: [driver leaves]            Plan: [ ]
Risk 4: [customer concentration]   Plan: [ ]

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8. WHAT WE'RE ASKING FOR (if raising money)
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Amount: $[ ]     Use of funds: [truck, trailer, working capital]
Repayment plan: [ ]
Collateral: [ ]

Updated: [month, year]