BROKER TOOLS

Freight Broker
Calculators

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BMC-84 Bond Cost Calculator

Estimates your annual surety bond premium based on your personal FICO credit score. Bond amount fixed at $75,000 (FMCSA requirement).

720
550 (Poor)650750850 (Excellent)

Estimated Annual Premium

$938
Based on 750+ FICO · ~1.25% of $75,000
$75,000 cash deposit With BMC-85, you post the full $75,000 in qualifying assets at a federally-insured trustee.
No annual premium — but your capital is locked up entirely.
FICO tier Excellent
Rate range ~1.25%
Annual premium range $938 – $938

Year 1 compliance stack

FMCSA Application $300
BMC-84 Bond premium (est.) $938
BOC-3 Process Agent $50
UCR $46
Contingent Cargo + Auto + E&O $1,500
General Liability $1M $750
Compliance subtotal ~$3,584
+ TMS / load boards (DAT One) $5,000–$8,000
Total Year 1 estimate ~$8,584–$11,584

Estimates only. Actual premiums vary by surety company, business history, and state. Apply to 3+ sureties and compare. Rates reflect 2025–2026 market conditions. Read the full bond guide →

Load Margin Calculator

Model your take-home margin per load after carrier pay and factor fees. All inputs are adjustable.

$
$
%
Set 0 if you don't factor
%
Set 0 if carrier doesn't use QuickPay

Margin Breakdown

Gross Margin
$300
(15.0% of rate)
After All Fees
$263
(13.1% of rate)
Shipper rate $2,000
Carrier pay −$1,700
Gross margin $300
Net margin (real take-home) $263
Industry breakeven per load ~$210–$215
Above breakeven — this load is profitable

5 loads/day model

Daily gross margin (5 loads) $1,500
Monthly (22 work days) $33,000
Annual run rate $396,000

Gross profit projection only. Subtract overhead: salary, office, TMS, insurance. Industry standard: 3–5% net margin on gross revenue.

Educational estimates only. Actual margins vary by lane, shipper, carrier, and market conditions. Read the business model guide →

Run your dispatch on Coldloads

Coldloads reads your broker load emails and Telegram truck posts, puts every lane on one live map, matches trucks by deadhead and tells you when each broker actually answers.

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