Getting new authority

Become an OOIDA member and they will take you by the hand to set you up.
They may have some fee, but it is important not to screw up with setting yourself up.

Used truck prices are melting down, so maybe waiting a few months more would be not such a bad idea, especially that at that point you might have over $100k at your disposal instead of $90 k, and at present time, probably, you still make more where you're at v.s. hauling load boards freight with fresh own authority.

 

I'm not sure but you should probably start with incorpating and getting your business license in order. But you tube has ton of info also on what's needed to start up

 

This guy does a ton of videos.
and a lot of good info

 

Are you purchasing new with warranty or something older? Keep saving that money. 90K should be after you purchase your truck and trailer. Relying on credit is a mistake. Always plan for the worst case scenario, because life throws you punches and lemons. You can make lemons out of lemonade, but even Muhammad Ali couldn't avoid all of the punches thrown at him.

Best of luck to you.