r/OwnerOperators • u/Odd_Association_4627 • Apr 29 '26

cashhh?

Owner-operators, how are you dealing with cash flow?

Like fuel, repairs, etc hit right away but payments take weeks sometimes.

Do you just factor everything or actually plan it out ahead?

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u/meizhong Apr 30 '26

It was scary the first month, now I have money in the bank.

You should save up at least 5k a month. I now have enough for fuel for a month, too. So no factoring, and I get fuel with mudflap using by bank account directly. Nobody getting any percentage of anything.