TRUCKING SBA BUSINESS PLAN
A trucking-specific SBA business plan with per-mile revenue modeling, fuel cost projections, and DOT compliance documentation — built for SBA 7(a) loan approval.
Trucking-specific financials including per-mile rates, fuel costs, and maintenance reserves. Same day.
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Trucking SBA loans are evaluated on very specific metrics that generic business plan templates do not address. Lenders want to see per-mile revenue rates, fuel cost assumptions, driver compensation models, and equipment depreciation schedules. They also want to understand whether you have contracted freight or are relying on the spot market — and how that affects cash flow predictability. Our trucking plans address every one of these lender concerns.
Trucking-specific Executive Summary
Per-mile revenue and cost modeling
Fuel cost projections with hedging assumptions
Driver compensation and benefits modeling
Equipment depreciation schedules
DOT and FMCSA compliance documentation
Contract freight vs. spot market revenue mix
5-Year P&L, Balance Sheet, and Cash Flow
DSCR calculation for SBA 7(a) compliance
Use of Funds (truck purchase, working capital)
Yes. SBA 7(a) loans are available for owner-operators purchasing their first truck or expanding their fleet. The loan amount typically ranges from $50,000 to $500,000 depending on the equipment and projected revenue.
Current market rates vary by lane and freight type, but most lenders expect to see revenue per mile assumptions between $2.00 and $3.50 for dry van, with higher rates for specialized freight. We model your specific lane and freight type.
Existing contracts significantly strengthen your application, but they are not required. A credible plan showing how you will acquire freight — through a freight broker, load board strategy, or direct shipper relationships — can satisfy lender requirements.