*Cash Flow Forecasting for Trucking

You know the fuel bill is coming.
Now you know how to pay it.

Model fuel surcharge swings, equipment loan timing, and revenue lumpiness — so you run the company on numbers, not hope.

What We Do

Three-way cash forecasting built for how trucking actually works.

Fuel Volatility Model

Track surcharge pass-through vs. fuel cost exposure. Model 20%+ swings in both directions — know your break-even on every lane.

Equipment Cash Timing

Model truck purchases against cash position. Time acquisitions to avoid killing working capital — or know exactly when the LOC draw is coming.

Working Capital Buffer

Account for revenue lumpiness. Know your minimum cash reserve — not guess. Set triggers for AR collection pressure.

Book a 15-min finance review

What This Looks Like

BEFORE
  • *
    Fuel spike hits blind.

    March diesel jumps 22%. You find out when the card declines at the pump.

  • *
    Equipment decision is a gut call.

    $85K truck. You buy it because the dealer has a promo — not because cash can handle it.

  • *
    Working capital is a guess.

    Big customer pays Net 60. You think you have $200K — you have $85K.

Result: Reactive. Stressed. Surprised.
AFTER
  • +$45K fuel reserve mapped.

    Surcharge model shows you're exposed $45K if fuel hits $4.20. You build the buffer in Q1.

  • +$60K truck timing optimized.

    Cash model shows buy in October — after seasonal cash hits. Saved $15K in interest vs. March buy.

  • +$115K working capital clarity.

    You know exactly what hits and when. AR triggers flagged 2 weeks early on the big customer.

Result: Proactive. In control. Prepared.

The Problem

Running a trucking company without cash forecasting is like driving with your eyes closed.

20%+
Fuel Cost Swing

Diesel swings 20%+ month-to-month. Your surcharge formula can't keep up.

$85K
Equipment Hit

A new truck drains cash fast. One bad timing decision kills working capital for months.

Net 60
Lumpy Revenue

Big customers pay slow. You end up financing their business with your cash.

How It Works

1

Map Your Cash

We build a 13-week rolling cash flow model. Inputs: contracts, fuel history, equipment notes, AR aging.

2

Run Scenarios

Fuel +20%. Big customer pays Net 90. New truck in April. See the impact before it happens.

3

Set Triggers

Get alerts when cash dips below threshold. Know when to push AR, delay equipment, or draw the LOC.

Who This Is For

  • $5M-$30M trucking company
  • Owner or ops lead who makes capital decisions
  • Tired of guessing on equipment timing
  • Want to see the fuel exposure number

Who This Is NOT For

  • *Companies under $3M — different cash model
  • *Owner who doesn't make equipment decisions
  • *Want accounting/bookkeeping only
  • *Not ready to make decisions based on numbers

About Eagle Rock CFO

Former operators who've run and scaled companies. We've made payroll, managed boards, and navigated growth phases.

*Former PE operators
*Clients see ROI in first 90 days
*Strategy calls first week

Know your cash position. Make the call.

15-minute finance review. We'll look at your cash flow and show you what's possible.

Book 15-min finance review