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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 tierExcellent
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–$11,584
Estimates only. Actual premiums vary by surety company, business history, and state. Apply to 3+ sureties and compare. Rates reflect 2025–2026 market conditions. Read the full bond guide →
Load Margin Calculator
Model your take-home margin per load after carrier pay and factor fees. All inputs are adjustable.
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$
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Set 0 if you don't factor
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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
Factor fee (your AR)−$0
QuickPay fee (carrier cost)−$0
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 →