Owner-Operator Lease Program

Your Truck. Our Back Office.

You bought a truck to work for yourself, not to spend Sunday nights on IFTA filings and insurance renewals. Lease on with us and the compliance, the authority and the paperwork are ours. The wheel is still yours.

What Each Side Covers

No surprises later. This is the whole split.

What We Cover

  • Operating authority — you run under our MC and DOT
  • Primary auto liability and cargo insurance
  • IFTA registration and quarterly filings
  • Drug and alcohol consortium enrollment
  • ELD hardware and subscription
  • Done-for-you dispatching across roughly a dozen load boards
  • Full access to our TMS app — the same software we run our own fleet on
  • Factoring — paid within three days of submitting your BOL
  • Tax planning built in, plus discounts on quarterly and annual preparation

What You Cover

  • Your truck payment
  • Fuel
  • Repairs and maintenance, including tires
  • Physical damage insurance on your own truck — covers your tractor if it's wrecked or stolen. Your lender will require it anyway.
  • Occupational accident coverage — you're not a W-2 employee, so our workers' comp doesn't extend to you.
  • Your own quarterly and income taxes

What Makes This Different

Your Schedule, Your Miles

Most lease programs sell you a mileage guarantee and then run you into the ground meeting it. We don't guarantee miles, and that's deliberate — a number on paper is worth nothing if the loads behind it lose money.

You tell us what you want. Miles a week, where you'll go, how often you need to be home. We dispatch to those targets across roughly a dozen boards and price every load against what your truck actually costs to run. If a load doesn't clear your floor, we don't take it.

Want to run hard for three weeks and take one off? Say so. Want home every weekend without exception? Say so. The schedule is the thing you own.

How the Money Works

The Split

We keep28% of gross linehaul
You keep72% — your settlement, before your own fuel and maintenance
When you're paidWithin three days of BOL submission

No Charge For

Sign-on or setupNothing
ELD and TMS app accessIncluded
Weeks we don't find you freightNothing owed

What You Still Pay

FuelYou
Maintenance and tiresYou
Truck paymentYou

What a Load Has to Pay

Three questions, all things you already know. We work out the rest — including our 28% — and tell you the number to hold brokers to.

Fuel, maintenance, tires and your truck payment.
Don’t know it? Work it out free — opens in a new tab

Your weekly wage before tax — not profit left over after payroll.

A Load Has to Pay

$0.00/mi

Fill in all three and your number appears here.

Ready to Talk?

Two ways in, depending on where you are.

Start Here

Book a Call

Twenty minutes to go through the split, your truck, and the kind of miles you want. No obligation, and we'll tell you straight if it isn't a fit.

Book a Call

Our consultations are managed by Gifted Financial Services, our sister company.

Already Decided

Start Your Paperwork

If you've spoken to us and you're ready, start the application. We'll still talk before anything is signed — we need to verify your truck, your insurance and your record.

Start Application