TNH SmartPlan

The Financial Operating System for Trucking

A strategic overview for executive stakeholders & partners

97% of Carriers Are Running Blind

97%
of U.S. carriers operate 10 trucks or fewer.
70%
of U.S. carriers operate just one truck.
The structural gap facing small carriers is an existential threat. Operators leak profit through deadhead miles, bad loads, and slow billing. They lack the integrated cost-visibility needed to survive.

Why Legacy Tools Fail the Owner-Operator

Traditional TMS

Built for large fleets and dispatchers. Lacks real-time cost-per-mile insights required by single-truck owner-operators.

ELDs & Compliance

Focused purely on regulation and hours of service tracking. Provides zero financial visibility or profitability forecasting.

Generic Bookkeeping

Backward-looking. Tells a carrier what they lost last month, not what they need to charge today to survive.

The Result: Fragmented workflows. No real-time signals. Financial health remains a guessing game until the cash runs out.

The Solution: CFO-Level Visibility

  • Instant Load Evaluation: Calculates margin, net revenue, and cost-per-mile before a load is accepted.
  • Break-Even Intelligence: Real-time rate floors and operating ratios to reveal minimum solvent rates.
  • Survival Score: A 5-point viability metric (Cash Buffer, Load Discipline, Stability, Asset Viability).
  • What-If Simulator: Stress-tests fuel spikes and rate drops before they happen.
  • AI Advisor: Natural-language guidance grounded securely in the carrier's proprietary data.
Modern mobile app UI dashboard

Deterministic Logic Meets High-Intent Triggers

The Logic

Consistent inputs generate reproducible outputs. No "black-box" AI magic. We guarantee transparent, auditable calculations to ensure absolute trust with the operator.

The Triggers

We link operational reality to partner solutions at the exact moment of need:

• Cash-Flow Crunch Triggers Factoring
• High Fuel Spend Triggers Fuel Cards
• Major Repairs Triggers Maintenance Fin.

A Day in the Life

08:00 AM | Evaluate

Carrier receives an offer. SmartPlan calculates margin against their live $2.25/mi rate floor.

08:30 AM | Simulate

Carrier runs a "What-If" scenario for a potential fuel spike. Load remains profitable.

02:00 PM | Trigger

Carrier logs a major repair. Survival Score detects a critical drop in the Cash Buffer.

02:30 PM | Action

SmartPlan immediately recommends a partnered factoring solution to keep wheels turning.

Market Urgency

No Longer Optional

The era of operating on gut feeling is over. Margin squeeze driven by fuel volatility makes deadhead miles an existential threat. Three out of five companies rely on factoring just for runway. Carriers surviving the great reset must adopt forward-looking visibility.

Semi truck driving on highway at night

Distribution Built-In

Launched inside Truck N' Hustle, the industry's largest independent media brand, securing an unparalleled acquisition funnel.

  • 100K+ Active Members
  • 5M+ Podcast Downloads

The Integration Flywheel

Associations & Load Boards: Co-branded onboarding.
Insurers & Lenders: API access to survival scores.
Brokers & TMS: Financial health visible at tender point.

Professional podcast microphone in dark studio

The Four-Layer Revenue Engine

1. Contextual Recommendations

In-workflow suggestions based on live data (e.g., "Factor this invoice now to maintain a healthy cash buffer").

2. Trigger-Based Offers

Alerts linked to logged events (e.g., Logging a $5,000 transmission repair instantly triggers a maintenance loan offer).

3. Operator Toolkit Marketplace

A curated ecosystem of 1-click API integrations for compliance, commercial insurance, and banking partners.

4. Sponsored Insights

Data-backed, educational AI Advisor modules seamlessly sponsored by relevant category partners.

Aligning Value with Action: Partner Economics

Primary Recurring Drivers

Targeting a robust Blended Average Monetizable Value (AMV) per active user.

• Factoring: 10-20% revenue share of partner fees.
• Fuel Cards: Standard interchange margins capturing high-frequency spend.

Expansion Ecosystem

Unlocking adjacent high-value categories through structured data sharing.

• Maintenance & Equipment: Financing origination.
• Commercial Banking: Trucking-specific accounts.
• Insurance: Targeted lead-generation and referral fees.

Built for Scale. Ready for Production.

  • Live Multi-Tenant Apps: Production-ready iOS, Android, and Web apps with strict organizational data isolation.
  • Deterministic Logic: Version-controlled financial logic ensures immutable, auditable outputs.
  • ACID-Compliant Backend: Robust PostgreSQL architecture ensuring absolute data integrity at scale.
  • API-First Ecosystem: Designed from the ground up for seamless data exchange and embedded intelligence.
Modern server room

Next Steps

Activate your carrier relationships with SmartPlan.

Pilot Partners

Integrate 50 carriers at zero cost. Evaluate Survival Score and rate floor signals over 60 days.

Sponsors & Revenue Partners

Secure category exclusivity via structured revenue-share agreements or upfront sponsorship tiers.

Internal Stakeholders

Green-light integration resources to execute the four-layer monetization system.

rahmel@trucknhustle.com | tnhiq.com
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