Investor Offering — Rental Fleet

Founding · $10,000 · 2 vehicles · 38% of net revenue

$702.37

every month, for 24 months

1.69×

your money back, plus 69%

$16,857

total received

$6,857

of that, profit

Month 20

your $10,000 is back

49%

IRR — comparison only

Projections, not guarantees. Every figure is calculated from the assumptions shown. Actual results will vary. Past performance does not indicate future results. Your capital is at risk and you may receive back less than you invest.

The one line that matters

Your money comes back through the payments

“Distributions constitute both return of capital and profit. No separate repayment of principal is owed.”

Every total on this page is all the money that reaches you. There is no second cheque at the end. When a tier shows a total, that figure is your buy-in coming back plus your profit — counted once. The contract says it in these exact words.

Where the conservatism lives

We cut the rate first, then run the numbers

Rather than quote a market rate and argue about how often a car sits, we take the discount at the top and every figure runs from there.

$16,640 modelled

0% held back0%

$0$16,640 — market, per vehicle, per year

Market for this vehicle class is about $320.00 a week, or $16,640 a vehicle a year. You are at $320 — 0% held back up front for downtime, market shifts and unforeseen loss. Every figure on this page already carries that discount.

What your money buys

The kind of car that earns

Nothing exotic. Clean, cheap to insure, cheap to fix, and the sort of vehicle a gig driver is willing to work in every day — which is what keeps it rented.

One vehicle

Where every dollar goes

Each tier is this same picture, multiplied by the number of vehicles your buy-in purchases.

Show the per-vehicle breakdown

One vehicle, end to end

Every tier is this picture multiplied by the number of vehicles

Your shareOperator / grossCost

Every bar below covers the same 28 earning months, drawn to the same scale:

Rental collected$320/wk × 52 weeks = $16,640 a year

$38,827

Less maintenance$750 a year

$1,750

Net revenuewhat gets divided

$25,877

Of that net, the operator keeps the build period and the rest is shared:

Build periodfirst 4 months, operator keeps all

$3,697

Sharing poolthe next 24 months

$22,180

Your share of one vehicle$8,428.40× 2 vehicles = $16,857

A vehicle costs $5,000 at auction, which is why buy-ins come in $5,000 steps — none of your money sits idle. Maintenance is the only recurring cost in this model.

The timeline

When the money arrives

Month 1 is onboarding — inspection, repair, chipping, platforming. Months 2–5 the vehicle earns and we keep all of it to pay for getting it on the road. From month 6 you are paid every month for 24 months.

Money in your hand, month by month

Shaded area is the Founding tier · dashed line is what you put in

FoundingPartnerPrincipal

Nothing for the first 5 months while the vehicles are bought, made ready and placed. From month 6 you are paid every month. Where the line crosses the dashed line you have your $10,000 back — everything above it is profit.

Money in your hand, month by month

Shaded area is the Founding tier · dashed line is what you put in

FoundingPartnerPrincipal

Side by side

What the three tiers return

Show all three tiers side by side

All three tiers side by side

Grey is your own money coming back · colour is profit

Your buy-in, returnedFounding profitPartner profitPrincipal profit

Founding$10,000 · 2 vehicles

$16,8571.69×

Partner$15,000 · 3 vehicles

$26,6161.77×

Principal$20,000 · 4 vehicles

$37,2621.86×

The multiple is total divided by buy-in, and it rises with the tier because the revenue share does: 38% at $10,000, 40% at $15,000, 42% at $20,000.

The risk

What if the cars sit longer than we allowed for

This is the assumption that decides everything, so it gets a chart rather than a footnote.

What the vehicles rent for — per week

$320

How many weeks a year it is actually rented

52 weeks

Insurance — per vehicle, per month

$400

No quote has been obtained. This is the largest unknown in the model and it is the reason this control exists. Renting vehicles to drivers is a rental fleet risk, which runs $300–1,500 per vehicle per month — not ordinary commercial auto at $90–350, which excludes vehicles entrusted to others and would not cover this business at all. Cost varies by state, and OTAG operates in three: Michigan, Georgia and California. Each needs its own quote.

The business underneath — every one of these moves the answer

What a vehicle costs $5,000

Maintenance, per car per year $750

How long a car keeps earning 48 months

What the market charges $320/wk

Onboarding, before it earns 1 month

Your own position — this is the one to move if you reinvest

Cars in your tier 2 cars · $10,000

Your share of net revenue 38%

Buy-in is cars × what a car costs, so no part of your money ever sits waiting for a fraction of a vehicle. Add a car and watch the whole picture move — that is what reinvesting looks like before you do it.

Months before your payments start

4 months

The vehicles are earning through these months and the operator keeps all of it, to get the fleet on the road. Your total is unchanged — it just starts later.

How many monthly payments you receive

24 months

The monthly cheque does not shrink when this is shortened — you simply receive fewer of them. Cut it far enough and the payments stop before your capital is back. It stops at 44 because a $5,000 car is not assumed to earn past 48 months on the road.

The first two multiply into one number — what a vehicle earns in a year. The second two set the window: how long before you are paid, and for how many months. None of these four is a quoted price or a promised term. They are here so you can see how the return responds before you put money in, and so the per-vehicle figures in your portal mean something when you open it.

$16,640 modelled

0% held back0%

$0$16,640 — market, per vehicle, per year

What if the cars sit more than expected

The Founding tier highlighted · set at the measured market rate

FoundingPartnerPrincipal

This chart asks what happens if occupancy is worse than assumed. Founding stops making money below 38 rented weeks — 73% of the year. Because your payment is a share of what the vehicle actually earns rather than a fixed amount, a slow month is a smaller payment, not a missed one.

What if the cars sit more than expected

The Founding tier highlighted · set at the measured market rate

FoundingPartnerPrincipal

Every payment

The full 29 months

Show every payment, month by month

Grey bar on the left means the payment is still returning your buy-in. Coloured bar means you are past it and the rest is profit.

Mo	Phase	Payment	Received to date	Still to come
1	Onboarding	—	$0	$16,857
2	Build period	—	$0	$16,857
3	Build period	—	$0	$16,857
4	Build period	—	$0	$16,857
5	Build period	—	$0	$16,857
6	first payment	$702.37	$702	$16,154
7	Distribution	$702.37	$1,405	$15,452
8	Distribution	$702.37	$2,107	$14,750
9	Distribution	$702.37	$2,809	$14,047
10	Distribution	$702.37	$3,512	$13,345
11	Distribution	$702.37	$4,214	$12,643
12	Distribution	$702.37	$4,917	$11,940
13	Distribution	$702.37	$5,619	$11,238
14	Distribution	$702.37	$6,321	$10,536
15	Distribution	$702.37	$7,024	$9,833
16	Distribution	$702.37	$7,726	$9,131
17	Distribution	$702.37	$8,428	$8,428
18	Distribution	$702.37	$9,131	$7,726
19	Distribution	$702.37	$9,833	$7,024
20	paid back in full	$702.37	$10,536	$6,321
21	Distribution	$702.37	$11,238	$5,619
22	Distribution	$702.37	$11,940	$4,917
23	Distribution	$702.37	$12,643	$4,214
24	Distribution	$702.37	$13,345	$3,512
25	Distribution	$702.37	$14,047	$2,809
26	Distribution	$702.37	$14,750	$2,107
27	Distribution	$702.37	$15,452	$1,405
28	Distribution	$702.37	$16,154	$702
29	Distribution	$702.37	$16,857	$0

Resources & sources

Where these numbers come from

Everything on this page rests on one figure: what a gig driver pays to rent a car. So here is what our actual competitors charge, in our actual markets, with a link to every page we read it off.

Show the rate survey, the sources and the closures

What competitors charge, per week

Every operator publishing a rate in our three markets · retrieved 31 July 2026

Gold is Atlanta, plum is Michigan, grey is the Bay Area. Bars showing a range span the operator’s published low and high. Where a rate excludes insurance or tax it is marked on the bar — a $308 rate without insurance is not the same product as a $350 rate with it.

Average rate by market

Blue is what we model · the rest is how far under the local average that sits

Atlanta / Marietta5 operators publishing rates

$308avg

Detroit / Ann Arbor2 operators publishing rates

$350avg

Bay Area / Alameda2 operators publishing rates

$224avg

What we model, $320The rest of the local average

Atlanta — Deepest market of the three. Five operators publishing rates, and the master mechanic is on the ground here. Michigan — Highest rates of the three and the thinnest competition — both operators sit in Detroit metro, neither in Ann Arbor itself. Bay Area — No independent operator publishes a rate here. The market is held by the national platform programmes, which price nationally — so the most expensive place to operate has the cheapest achievable rent.

Where our $320 sits.

Across the 7 independent operators in Atlanta and Michigan — the businesses that most resemble ours — the average is $320 a week. We model $320, which is 0% below it, and 4 of the 7 charge more than we assume.

We deliberately exclude Lyft Express Drive and Hertz from that average. They run their own fleets at national scale and price to funnel drivers into their platforms — comparing a small operator to them flatters nobody and tells you nothing.

Two things keep this honest: their cars are newer than ours, so part of that gap is a worse vehicle rather than a better deal; and most of them bundle insurance, which we do not.

Why a $5,000 car still earns

Passenger rideshare imposes vehicle age caps and only accepts rentals through approved partner programmes. Delivery does neither — which is why an older, cheaper car is the right vehicle for this business rather than a compromise.

✓Amazon FlexAny age4-door required. A few stations quietly apply a 10–15 year cap.

✓DoorDashAny ageRentals accepted with insurance documentation.

✓Uber EatsAny ageRentals accepted with insurance documentation.

✓InstacartAny ageRentals accepted with insurance documentation.

!Uber (riders)8–19 yrsVaries by market. Rented vehicles restricted to approved partner programmes.

!Lyft (riders)8–19 yrsVaries by market. Rented vehicles restricted to approved partner programmes.

How the driver’s insurance works

Rideshare cover is split into three periods, and only the first is a real gap. Some carriers now bill it by the day the driver is actually working.

Period 1

App on, no request yet

The gap

Personal policies typically exclude it and the platform provides little or no collision cover. This is the gap a rideshare endorsement fills.

Period 2

Request accepted, en route

Uber / Lyft

The platform carries primary cover from acceptance until pickup.

Period 3

Passenger or order aboard

Uber / Lyft

Platform cover continues through to drop-off.

Billed by the day, not the month.

Mercury charges about $0.90 a day — roughly $27 a month for someone driving daily, and less for anyone who does not. It is the only carrier found offering usage-based billing, and it covers the Period 1 gap.

Available in 9 states, including California, Arizona, Nevada, Florida, Oklahoma, Georgia, Texas, Illinois, Virginia. Not Michigan.

California driver cost	Per month
Rideshare endorsement added to a personal policy	$17
Full standalone rideshare cover	$113–$205

Operators that have left this market

Worth knowing, because it is the honest counterweight to everything above.

HyreCarCeased operations. The peer-to-peer marketplace that let independent owners rent to gig drivers — the closest match to this model.

GIG Car ShareNo longer offers a vehicle rental product.

Rideshare RentalNo longer offers a vehicle rental product.

What this means for us. HyreCar was the marketplace that made independent ownership work at scale. Its closure means placing a vehicle is a direct-sales job — local advertising and driver relationships — not a listing on someone else’s platform. That is an operating cost and a real risk, and it is not modelled anywhere on this page.

Every source

Buggy — Atlanta vehicles & pricingwww.joinbuggy.com/ga/atlanta/vehicles-pricing/
Go With Gig — Atlantagowithgig.com/
DriveGig — Metro Atlantadrivegig.co/
LumiCar Rentals — Detroitlumicarrentals.com/
Whip It Whips — Michiganwhipitwhips.com/
The Rideshare Guy — Best Rideshare & Gig Car Rentals 2026therideshareguy.com/best-rideshare-car-rentals/
Carla — Renting for Amazon Flex, Uber, DoorDash 2026rentcarla.com/blog/amazon-flex-car-rental-2026/
Gridwise — Amazon Flex requirements 2026gridwise.io/blog/amazon-flex-requirements
Ridester — HyreCar overviewwww.ridester.com/hyrecar-overview/
WalletGrower — Best Rideshare Insurance 2026walletgrower.com/insurance/auto-insurance/rideshare
Insurify — Rideshare insurance costs in California 2026insurify.com/car-insurance/california/rideshare-insurance/

Retrieved 31 July 2026. Published rates move; check them again before reusing these figures.

After the term

There is a second round

Show how a second round works

Investors who complete a term are invited to run it again — at the same tier, or a higher one. Stepping up is encouraged, and the first round is deliberately sized so that it can fund the next.

Second-round terms are agreed at the time and are not part of this offering. Nothing on this page assumes or depends on a second round.

No hidden inputs

Every assumption, stated

Nothing on this page is typed in by hand. These are the only inputs; every other number is calculated from them.

Show every input behind these figures

Break-even is $776 per vehicle per month.

At the $320/week and 24 payments set above, the Founding investor stops getting their capital back once insurance passes $776. Insurance is currently set to $400.

To return 1.5× at $400/month insurance you would need to charge $297 a week, which is inside the $320 measured market.

These are illustrations, not promises. Every figure here shows what the vehicles would return at the lease level set below. What you actually earn is what your actual cars actually rent for, month by month — which you will see per vehicle in your investor portal. Move the controls to understand how value and performance respond; no position on these scales is a quoted price or a guaranteed return.

Vehicle cost: $5,000
Market rate: $320/wk
Held back: 0%
Rate modelled: $320/wk
Weeks rented: 52 of 52
Maintenance: $750/yr
Insurance: $400/mo
Onboarding: 1 mo
Build period: 4 mo
You are paid: 24 mo
Full term: 29 mo

Buy-ins come in $5,000 steps because that is what a vehicle costs — no part of your money sits idle waiting for a fraction of a car. Maintenance is the only recurring cost in this model. Vehicle title, residual value at term end, and any reserve for replacement are addressed in the investment agreement, not here.