Growth mentor
Stress-test an equipment purchase or financing scenario before signing.
What this tab is for
Growth mentor compares the last 90 days of included-load performance with a proposed equipment purchase, financing terms, operating assumptions, cash reserve, and company margin targets.
How to use it
- 1
Review the current 90-day load, revenue, profit, and margin signals.
- 2
Enter purchase price, down payment, APR, term, insurance, other fixed cost, and operating assumptions.
- 3
Enter expected miles, revenue per mile, MPG, diesel, maintenance, driver pay, and available cash reserve.
- 4
Run the audit and review projected payment, cost, contribution, margin, break-even RPM, coverage, and remaining cash.
- 5
Validate the scenario with lenders, insurers, mechanics, accountants, attorneys, and realistic freight demand before committing.
What to understand
- Scenario
- The output is decision support from user inputs, not a forecast, approval, or financing offer.
- Historical window
- Current signals use the prior 90 days of included CarrierOS load records.
- External facts
- Taxes, insurance, downtime, mechanical condition, freight availability, and contract terms require separate review.
Good operating habits
- Run conservative and downside cases instead of relying on one optimistic scenario.
- Leave enough cash after the down payment for startup, repair, and collection delays.