Zac_A:
Even if you’ve got someone lined up to be your ETM, it’d be worth spending the £128 for a copy of EOS TMCPC notes; Chapters 5 (Financial Management) and 14 (Vehicle Costings) would be reason enough to own a copyeostraining.com/product/roa … tudy-pack/
These guys are very geared up towards owner-drivers, and are largely about finding the all-important back-loads you need to turn a profit.
returnloads.net/becoming-an-owner-driver/
Or, before spending money, download and read the Traffic Commissioners Statutory Documents No1 (good repute), 2 (finance(, 3( transport managers) and 6 (vocational licences). Yes there is a lot to read, but many training packs just cut’n’paste these docs. If you still find it confusing, consider spending a few quid for a meeting with a consultant.