Lease Purchase & Owner Operator · 2026

OWN YOUR TRUCK. KEEP MORE OF EVERY LOAD.

80% gross revenue from day one. No credit check. $0 down. Walk-away lease. Your path to ownership — flatbed, reefer, or bring your own truck.

80% → 82% Gross Revenue $0 Down · No Credit Check Walk-Away Lease $2,000 Referral Bonus $0.22/Gal Fuel Discount

Apply Now 813-333-6228

Choose Your Program

THREE PATHS.
ONE DESTINATION.

Whether you want to lease a flatbed, run reefer, or bring your own truck — we have the right structure for you.

Lease Purchase

FLATBED

80% → 82% Gross Revenue

Weekly Settlement (Avg $3.10/mi)

2,400 mi/week$2,064

2,700 mi/week$2,541

3,000 mi/week$3,018

$0 Down · No Credit Check · Walk-Away Lease
2023–2026 Trucks + All 53" Aluminum Flatbeds
$750–$850 Truck Lease (3–5 Year Term)
Own Your Trailer — $300 lease payment
Cargo & Auto Liability Insurance Included
$0.22/Gal Fuel Discount (Loves, Petro, Pilot)
Weekly Direct Deposit · $2,000 Referral Bonus

Apply for Flatbed LP →

Lease Purchase

REEFER

80% → 82% Gross Revenue

Weekly Settlement (Avg $3.00/mi)

2,400 mi/week$1,658

2,700 mi/week$2,097

3,000 mi/week$2,537

$0 Down · No Credit Check · Walk-Away Lease
2023–2026 Trucks
$750–$850 Truck Lease (3–5 Year Term)
Own Your Trailer
Cargo & Auto Liability Insurance Included
$0.22/Gal Fuel Discount
Weekly Direct Deposit

Apply for Reefer LP →

Owner Operator

YOUR TRUCK

82% → 84% All-In

Weekly Settlement (Avg $3.10/mi)

2,400 mi/week$3,459

2,700 mi/week$3,996

3,000 mi/week$4,534

82% All-In (linehaul, fuel surcharge, tarp, detention)
Loyalty: +0.5%/year up to 84%
No Force Dispatch · Self-Dispatch Support
$1,000 Shop Credit after 30 days
Free DAT Account + AFC Customer Freight Access
Trailer Lease Available — $300/mo (3–5 yr)
Dedicated Success Manager

Apply as Owner Operator →

Earnings Calculator

SEE YOUR WEEKLY
TAKE-HOME.

Real numbers. Move the slider and see exactly what lands in your account.

Weekly Miles2,700 mi

Rate Per Mile$3.10

Gross Revenue$8,370

Driver Gross (80%)$6,696

Truck Lease-$850

Trailer Lease-$300

Insurance + Plates-$350

Escrow Account-$200

Maint. (12¢/mi)-$324

IFTA-$54

Fuel (6.5mpg · $5.10)-$2,118

Fuel Discount (+$0.22)+$91

Weekly Take-Home $2,541

At 82% performance tier: add ~$167/week on a 2,700mi week. Annualized at 2,700mi → $132,132/year gross.

Miles/Week	Flatbed LP	Reefer LP	Owner Op
2,400 mi	$2,064	$1,658	$3,459
2,700 mi	$2,541	$2,097	$3,996
3,000 mi	$3,018	$2,537	$4,534

One-time startup: Drug Test + Background Check + Permits = $115

🔥 Owner Operator Loyalty Bonus

Revenue share increases +0.5% annually up to 84%. Long-term drivers earn significantly more over time.

Included In Every Program

THE FULL PACKAGE.

Weekly Direct Deposit

Every Friday. Predictable, reliable, on time.

Comdata Fuel Card

$0.22/gallon discount at Loves, Petro/TA, Pilot/Flying J.

24/7 Dispatch Support

Always-on team. Someone always picks up.

Insurance Included

Cargo & Auto Liability Insurance covered in program.

$2,000 Referral Bonus

Refer a qualified driver and collect $2,000.

Free DAT Account

Owner Operators get free DAT access + priority on AFC freight.

Walk-Away Lease

No penalties for returning the truck. No traps. Your call.

No Credit Check

$0 down. We don't pull your credit. Period.

Do You Qualify?

MINIMUM REQUIREMENTS.

FLATBED LP

Valid Class A CDL
6 months flatbed experience
Clean MVR (max 2 minor / 3 yrs)
No DUI/DWI in last 5 years
DOT physical & drug screening
One-time fee: $115 (drug test, BGC, permits)

REEFER LP

Valid Class A CDL
Reefer experience preferred
Clean MVR (max 2 minor / 3 yrs)
No DUI/DWI in last 5 years
DOT physical & drug screening
One-time fee: $115

OWNER OPERATOR

Valid Class A CDL
Your own truck (or lease from AFC)
Clean MVR
No DUI/DWI in last 5 years
DOT physical & drug screening
One-time fee: $115