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Owner-Operator Pay

A Flat 18%.
You Keep 82%.

Of gross linehaul — not net. 13% covers authority, insurance and compliance. 5% covers dispatch. That is the entire deduction.

Owner-Operator Pay

A Flat 18% Of Gross.
You Keep 82%.

No percentage-of-net arithmetic, no per-load admin fee, no trailer rental appearing on the settlement. This is the whole deduction.

13%of gross

Lease-On

Required

Run under our operating authority with insurance and compliance handled.

  • Operating authority (MC)
  • Cargo & liability insurance
  • DOT compliance & filings
  • Settlements & IFTA
5%of gross

Dispatch

Required

A dispatcher sourcing, negotiating and planning your freight — not a load board.

  • Load sourcing
  • Rate negotiation
  • Route & trip planning
  • Broker relationships
3%of gross

Factoring

Optional

Optional. Get paid the day you deliver instead of waiting on broker net terms.

  • Same-day pay on delivered loads
  • Invoice & collections handling
  • No waiting on broker net terms

Required total

18% of gross linehaul

13% lease-on + 5% dispatch. Factoring is opt-in and not included.

You keep

82%

79% if you add factoring

Who Pays For What

The costs are the argument, not the percentage. A cheaper split that leaves you buying your own insurance is not a cheaper split.

3Xpress Covers

  • Operating authority (MC)
  • Cargo & liability insurance
  • DOT compliance & filings
  • Load sourcing & negotiation
  • Settlements
  • IFTA filing

You Cover

  • Fuel
  • Maintenance & tires
  • Truck payment
  • Occupational accident insurance

Ask us about: Trailer, Plates & permits, ELD, Insurance limits, Settlement schedule, Dispatch policy, Escrow amount and refund terms

We do not publish these because the honest answer depends on the program and the truck. Ask on the phone and we will tell you straight, in writing, before you commit to anything.

Worked Example

Phoenix, AZDallas, TX

1,065 miles · Dry Van

Gross linehaul

$2,400

Less 18% (13% + 5%)

$432

Your gross

$1,968

$1.85/mile

Fuel, maintenance and your truck payment come out of the $1,968, not out of our 18%. We show it this way because that is the number that actually matters to you.

Illustrative rate for a common lane. Actual linehaul varies by season, equipment and how the load is booked — the percentage does not.

Check The Math

Don't Take Our Word
For Any Of It

Put in a load you have actually run. The calculator uses the same function as the table above, so if the two ever disagreed it would be a bug, not fine print.

  • The 18% comes off gross linehaul — the number on the rate confirmation.
  • Detention, layover and other accessorials pass through to you in full.
  • Factoring is off by default because it is optional, not because it is hidden.
Talk it through — (602) 935-9993

Run Your Own Numbers

Same math as the table above. Nothing hidden.

$

What the load pays, before anything comes out.

#

Used for the per-mile figure only.

You take home

$1,968

$1.85 per mile(gross $2.25)

Less 18% of gross linehaul

$432

You keep 82%

You — 82%3Xpress — 18%

Fuel, maintenance and your truck payment come out of the $1,968 — they are your costs, not a further deduction by us. Accessorials such as detention and layover pass through to you in full. Without factoring you keep the full 82%.

FAQs

Owner-Operator Pay Questions
Answered Straight

You keep 82% of gross linehaul. The deduction is a flat 18% — 13% for lease-on, which covers authority, insurance and compliance, and 5% for dispatch. That is the whole deduction. There is no separate trailer rental, no admin fee and no per-load charge appearing on the settlement afterward.

Request A Pickup

Ready To See
What You'd Actually Make?

Send the application, or call (602) 935-9993 and ask the awkward questions first. We would rather answer them now than after you have committed a truck.