Document intelligence for US truck drivers

The payment they quote you
is not what it costs.

SkimBust reads the paperwork carriers and brokers put in front of you, line by line, and shows you where the money leaves. Four tools are planned. One is open.

Open the lease analyzer See all four
Lease-Purchase Agreement
SPECIMEN · 2021 Cascadia · 208 weeks
SCHEDULE A
Driver copy · p.1
WEEKLY PAYMENT
$725.00
TERM
208 weeks
MAINTENANCE RESERVE$150.00 / wk
INSURANCE$210.00 / wk
ESCROW HOLD$5,200.00
ESCROW REFUND TERMS— NOT STATED
BALLOON AT TERM$18,500.00
QUOTED WEEKLY$725.00

Maintenance reserve is administered by the carrier. Escrow may be applied to amounts owing at termination…

DRIVER SIGNATURE ____________________   DATE __________
Weekly paymentVerified Escrow refund termsMissing True weekly $1,385Red flag

Specimen · not a live analysis

The quoted payment is $725 a week. Once the reserve, the insurance and the hold are counted, the same page costs $1,385 a week — and the escrow refund terms are not on it.

The tools

Four doors. One is open.

We ship one at a time, properly.
01

Lease-Purchase Analyzer

Problem
Walk-away traps, balloon payments, and maintenance escrow you never get back.
Inputs
The numbers off your lease agreement — payment, term, escrow, balloon, buyout.
Output
True weekly and total cost-to-own, walk-away cost, and an APR-equivalent to compare. Arithmetic only.
Open Open the tool
02

Rate Check

Problem
You are handed a rate and a document, with no context for whether the amount or the format is off.
Inputs
A photo, PDF, or screenshot of the rate — lane, dates, equipment, broker, amount.
Output
What the document actually says, extracted, plus internal consistency checks and flags tied to the line they came from. Private to you. Signals, never a verdict.
In the shop
03

Contract Guardian

Problem
You are handed a contract package and need to understand how it can actually affect you before you sign.
Inputs
The main contract plus every appendix, addendum, policy, and authorization in the package.
Output
A clause-by-clause breakdown and the questions to ask. Never “sign” or “don’t sign”, never legal advice. The economics of a lease stay in the analyzer.
In the shop
04

Carrier Due Diligence

Problem
Signing on with a carrier you have no independent read on.
Inputs
An MC number and the packet they gave you at orientation.
Output
Public facts only, if it ever opens. No scores, no rankings, no scraped reputation.
In the shop

How it works

Paper in. Leverage out.

01 — Bring the numbers

Off the agreement

Off the lease, off a phone photo of it, off the sheet the recruiter slid across the table.

02 — Every line gets a signal

Verified, verify, missing, red flag

Each one tied to the line it came from. Never a verdict, and never advice to sign or to walk.

03 — Push back

With the real number

The true weekly cost, the walk-away number, and the questions worth asking before you sign.

Limits

What SkimBust will not do.

It does not determine fraud or guilt. It does not score brokers or carriers. It does not tell you to sign or to walk away. The analyzer covers the deal in front of you — not fuel, food, taxes, tolls, or downtime — and its APR-equivalent is a comparison figure, not a lender APR or a TILA rate. Signals, not verdicts. You remain the decision-maker.

Bring the agreement.
See the real number.

The analyzer runs in your browser. Nothing is uploaded, nothing is stored, and no account is asked for.

Open the lease analyzer